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Net worth update per


This is cybernaut's #37 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 808,485 and my FI portfolio decreased to GBP 525,600


Net worth

GBP 808,485

Since the last update on my net worth has decreased with GBP -14,335 ( -1.74 %).

FI portfolio

GBP 525,600

Since the last update on my FI portfolio has decreased with GBP -14,600 ( -2.7 %).

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 151,800 -8,300 143,500
Retirement acc 382,400 -6,300 376,100
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 840,200 -14,600 825,600

Mortgage 17,380 -265 17,115
Other debt 0 0 0
Total debt 17,380 -265 17,115
Change
Cash 6,000 0 6,000
Investments 173,800 -30,300 143,500
Retirement acc 407,700 -31,600 376,100
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 887,500 -61,900 825,600

Mortgage 19,610 -2,495 17,115
Other debt 0 0 0
Total debt 19,610 -2,495 17,115
Change
Cash 6,000 0 6,000
Investments 89,000 +54,500 143,500
Retirement acc 283,000 +93,100 376,100
Real estate 280,000 + 20,000 300,000
Other assets 0 0 0
Total assets 658,000 +167,600 825,600

Mortgage 27,000 -9,885 17,115
Other debt 0 0 0
Total debt 27,000 -9,885 17,115

I am now 42.0% on my way to achive my FIRE target of GBP 1,250,000. This is -1.2 percentage points closer, compared to the last net worth update.

GBP 525,600 FIRE target: GBP 1,250,000


42.0%

FI portfolio

My FI portfolio now consists of GBP 143,500 (27.3%) in investments, GBP 376,100 (71.6%) in retirement accounts, and GBP 6,000 (1.1%) in cash.

Investments

Since my last update, my investments decreased with GBP -8,300 (-5.47%), of which GBP 100 was from contributions, and GBP -6,500 was from returns.

Since I started tracking, my total contributions have been GBP 140,800, and my total return has been GBP 9,200.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -6,300 (-1.65%), of which GBP 3,477 was from contributions , and GBP -13,377 was from returns.

Since I started tracking, my total contributions have been GBP 120,188, and my total return is GBP 90,212.




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

If I quit working today, my monthly pay out would be GBP 1,752 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,752/month
(4.0% SWR)
1,533/month
(3.5% SWR)
1,314/month
(3.0% SWR)


When can I retire?

FI date

My age

51

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 1,250,000 in 3 years and 1 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 239,430, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 484,970


Financial independence forecast