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Net worth update per


This is theflairbunny's #43 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 295,640 and my FI portfolio decreased to GBP 300,932


Net worth

GBP 295,640

Since the last update on my net worth has decreased with GBP -8,726 ( -2.87 %).

FI portfolio

GBP 300,932

Since the last update on my FI portfolio has decreased with GBP -10,604 ( -3.4 %).

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 17,504 +2,839 20,343
Investments 205,254 -11,420 193,834
Retirement acc 88,778 -2,023 86,755
Real estate 0 0 0
Other assets 0 0 0
Total assets 311,536 -10,604 300,932

Mortgage 0 0 0
Other debt 7,170 -1,878 5,292
Total debt 7,170 -1,878 5,292
Change
Cash 62,851 -42,508 20,343
Investments 127,835 +65,999 193,834
Retirement acc 80,940 +5,815 86,755
Real estate 0 0 0
Other assets 0 0 0
Total assets 271,626 +29,306 300,932

Mortgage 0 0 0
Other debt 7,123 -1,831 5,292
Total debt 7,123 -1,831 5,292
Change
Cash 2,082 +18,261 20,343
Investments 3,137 +190,697 193,834
Retirement acc 7,160 +79,595 86,755
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +288,553 300,932

Mortgage 0 0 0
Other debt 15,575 -10,283 5,292
Total debt 15,575 -10,283 5,292

I am now 50.2% on my way to achive my FIRE target of GBP 600,000. This is -1.8 percentage points closer, compared to the last net worth update.

GBP 300,932 FIRE target: GBP 600,000


50.2%

FI portfolio

My FI portfolio now consists of GBP 193,834 (64.4%) in investments, GBP 86,755 (28.8%) in retirement accounts, and GBP 20,343 (6.8%) in cash.

Investments

Since my last update, my investments decreased with GBP -11,420 (-5.56%).

Since I started tracking, my total contributions have been GBP 235,377, and my total return has been GBP 72,674.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -2,023 (-2.28%).

Since I started tracking, my total contributions have been GBP 86,397, and my total return is GBP 22,884.




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

If I quit working today, my monthly pay out would be GBP 1,003 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,003/month
(4.0% SWR)
877/month
(3.5% SWR)
752/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 1 years and 5 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 216,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 83,068


Financial independence forecast