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Net worth update per


This is cybernaut's #2 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 629,900 and my FI portfolio decreased to GBP 376,800


Net worth

GBP 629,900

Since the last update on my net worth has decreased with GBP -1,100 ( -0.17 %).

FI portfolio

GBP 376,800

Since the last update on my FI portfolio has decreased with GBP -1,200 ( -0.32 %).

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 6,000 0 6,000
Investments 89,000 +800 89,800
Retirement acc 283,000 -2,000 281,000
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 -1,200 656,800

Mortgage 27,000 -100 26,900
Other debt 0 0 0
Total debt 27,000 -100 26,900
Change
Cash 6,000 0 6,000
Investments 89,000 +800 89,800
Retirement acc 283,000 -2,000 281,000
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 -1,200 656,800

Mortgage 27,000 -100 26,900
Other debt 0 0 0
Total debt 27,000 -100 26,900
Change
Cash 6,000 0 6,000
Investments 89,000 +800 89,800
Retirement acc 283,000 -2,000 281,000
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 -1,200 656,800

Mortgage 27,000 -100 26,900
Other debt 0 0 0
Total debt 27,000 -100 26,900

I am now 21.5% on my way to achive my FIRE target of GBP 1,750,000. This is -0.1 percentage points closer, compared to the last net worth update.

GBP 376,800 FIRE target: GBP 1,750,000


21.5%

FI portfolio

My FI portfolio now consists of GBP 89,800 (23.8%) in investments, GBP 281,000 (74.6%) in retirement accounts, and GBP 6,000 (1.6%) in cash.

Investments

Since my last update, my investments increased with GBP 800 (0.9%), of which GBP 100 was from contributions, and GBP 5,950 was from returns.

Since I started tracking, my total contributions have been GBP 141,400, and my total return has been GBP 43,910.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -2,000 (-0.71%), of which GBP 3,477 was from contributions , and GBP 15,923 was from returns.

Since I started tracking, my total contributions have been GBP 141,050, and my total return is GBP 174,950.




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

If I quit working today, my monthly pay out would be GBP 1,256 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,256/month
(4.0% SWR)
1,099/month
(3.5% SWR)
942/month
(3.0% SWR)


When can I retire?

FI date

My age

53

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,750,000 in 4 years and 1 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another GBP 423,340, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 949,860


Financial independence forecast