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Net worth update per


This is crazy's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 986,500 and my FI portfolio increased to GBP 821,000


Net worth

GBP 986,500

Since the last update on my net worth has increased with GBP 80,050 (+ 8.83 %).

FI portfolio

GBP 821,000

Since the last update on my FI portfolio has increased with GBP 66,550 (+ 8.82 %).

The per-day change in net worth between the reported periods are shown in the plot below.


And the development and changes between each net worth reporting is shown in the tables below.

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in GBP.
Change
Cash 540,450 +46,550 587,000
Investments 60,000 +19,000 79,000
Retirement acc 154,000 +1,000 155,000
Real estate 215,000 + 4,500 219,500
Other assets 30,000 + 7,000 37,000
Total assets 999,450 +78,050 1,077,500

Mortgage 93,000 -2,000 91,000
Other debt 0 0 0
Total debt 93,000 -2,000 91,000
Change
Cash 317,000 +270,000 587,000
Investments 56,000 +23,000 79,000
Retirement acc 72,000 +83,000 155,000
Real estate 210,000 + 9,500 219,500
Other assets 30,000 + 7,000 37,000
Total assets 685,000 +392,500 1,077,500

Mortgage 95,000 -4,000 91,000
Other debt 0 0 0
Total debt 95,000 -4,000 91,000
Change
Cash 70,000 +517,000 587,000
Investments 0 +79,000 79,000
Retirement acc 4,000 +151,000 155,000
Real estate 161,250 + 58,250 219,500
Other assets 0 + 37,000 37,000
Total assets 235,250 +842,250 1,077,500

Mortgage 137,250 -46,250 91,000
Other debt 0 0 0
Total debt 137,250 -46,250 91,000

I am now 43.5% on my way to achive my FIRE target of GBP 1,888,888. This is 3.5 percentage points closer, compared to the last net worth update.

GBP 821,000 FIRE target: GBP 1,888,888


43.5%

FI portfolio

My FI portfolio now consists of GBP 79,000 (9.6%) in investments, GBP 155,000 (18.9%) in retirement accounts, and GBP 587,000 (71.5%) in cash.

Investments

Since my last update, my investments increased with GBP 19,000 (31.67%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,000 (0.65%).




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be GBP 2,736 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,736/month
(4.0% SWR)
2,394/month
(3.5% SWR)
2,052/month
(3.0% SWR)


When can I retire?

FI date

My age

40

I am currently aiming to save/invest approximately GBP 2,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,888,888 in 12 years and 7 months, in , and at that time I will be 40 years old.

By that time I will have invested/saved another GBP 430,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 637,888


Financial independence forecast