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Net worth update per


This is _o_'s #105 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 111,116 and my FI portfolio decreased to GBP 42,760


Net worth

GBP 111,116

Since the last update on my net worth has increased with GBP 2,846 (+ 2.63 %).

FI portfolio

GBP 42,760

Since the last update on my FI portfolio has decreased with GBP -221 ( -0.51 %).

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 9,708 +653 10,361
Investments 3,372 +53 3,425
Retirement acc 29,901 -927 28,974
Real estate 149,000 + 4,000 153,000
Other assets 0 0 0
Total assets 191,981 +3,779 195,760

Mortgage 75,852 -226 75,626
Other debt 7,859 + 1,159 9,018
Total debt 83,711 + 933 84,644
Change
Cash 902 +9,459 10,361
Investments 7,011 -3,586 3,425
Retirement acc 23,612 +5,362 28,974
Real estate 132,000 + 21,000 153,000
Other assets 0 0 0
Total assets 163,525 +32,235 195,760

Mortgage 77,674 -2,048 75,626
Other debt 1,119 + 7,899 9,018
Total debt 78,793 + 5,851 84,644
Change
Cash 83 +10,278 10,361
Investments 0 +3,425 3,425
Retirement acc 0 +28,974 28,974
Real estate 0 + 153,000 153,000
Other assets 0 0 0
Total assets 83 +195,677 195,760

Mortgage 0 75,626 75,626
Other debt 0 + 9,018 9,018
Total debt 0 + 84,644 84,644

I am now 3.4% on my way to achive my FIRE target of GBP 1,260,000. This is -0.0 percentage points closer, compared to the last net worth update.

GBP 42,760 FIRE target: GBP 1,260,000


3.4%

FI portfolio

My FI portfolio now consists of GBP 3,425 (8.0%) in investments, GBP 28,974 (67.8%) in retirement accounts, and GBP 10,361 (24.2%) in cash.

Investments

Since my last update, my investments increased with GBP 53 (1.57%).

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -927 (-3.1%).




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

If I quit working today, my monthly pay out would be GBP 142 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
142/month
(4.0% SWR)
124/month
(3.5% SWR)
106/month
(3.0% SWR)


When can I retire?

FI date

My age

43

I am currently aiming to save/invest approximately GBP 2,600 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,260,000 in 15 years and 5 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another GBP 564,200, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 653,040


Financial independence forecast