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Net worth update per


This is theflairbunny's #42 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 304,366 and my FI portfolio increased to GBP 311,536


Net worth

GBP 304,366

Since the last update on my net worth has increased with GBP 1,790 (+ 0.59 %).

FI portfolio

GBP 311,536

Since the last update on my FI portfolio has increased with GBP 1,790 (+ 0.58 %).

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 18,544 -1,040 17,504
Investments 205,545 -291 205,254
Retirement acc 85,657 +3,121 88,778
Real estate 0 0 0
Other assets 0 0 0
Total assets 309,746 +1,790 311,536

Mortgage 0 0 0
Other debt 7,170 0 7,170
Total debt 7,170 0 7,170
Change
Cash 62,851 -45,347 17,504
Investments 127,835 +77,419 205,254
Retirement acc 80,940 +7,838 88,778
Real estate 0 0 0
Other assets 0 0 0
Total assets 271,626 +39,910 311,536

Mortgage 0 0 0
Other debt 7,123 + 47 7,170
Total debt 7,123 + 47 7,170
Change
Cash 2,082 +15,422 17,504
Investments 3,137 +202,117 205,254
Retirement acc 7,160 +81,618 88,778
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +299,157 311,536

Mortgage 0 0 0
Other debt 15,575 -8,405 7,170
Total debt 15,575 -8,405 7,170

I am now 51.9% on my way to achive my FIRE target of GBP 600,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 311,536 FIRE target: GBP 600,000


51.9%

FI portfolio

My FI portfolio now consists of GBP 205,254 (65.9%) in investments, GBP 88,778 (28.5%) in retirement accounts, and GBP 17,504 (5.6%) in cash.

Investments

Since my last update, my investments decreased with GBP -291 (-0.14%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 3,121 (3.64%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 1,038 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,038/month
(4.0% SWR)
908/month
(3.5% SWR)
778/month
(3.0% SWR)


When can I retire?

FI date

My age

34

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 2 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 204,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 84,464


Financial independence forecast