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Net worth update per


This is awedPonie3's #4 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 432,836 and my FI portfolio increased to GBP 236,635


Net worth

GBP 432,836

Since the last update on my net worth has decreased with GBP -619 ( -0.14 %).

FI portfolio

GBP 236,635

Since the last update on my FI portfolio has increased with GBP 17,196 (+ 7.84 %).

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 14,896 -811 14,085
Investments 42,736 +13,654 56,390
Retirement acc 161,807 +4,353 166,160
Real estate 527,000 -19,000 508,000
Other assets 17,780 -460 17,320
Total assets 764,219 -2,264 761,955

Mortgage 330,764 -1,645 329,119
Other debt 0 0 0
Total debt 330,764 -1,645 329,119
Change
Cash 19,186 -5,101 14,085
Investments 45,559 +10,831 56,390
Retirement acc 186,304 -20,144 166,160
Real estate 505,000 + 3,000 508,000
Other assets 17,780 -460 17,320
Total assets 773,829 -11,874 761,955

Mortgage 332,319 -3,200 329,119
Other debt 4,000 -4,000 0
Total debt 336,319 -7,200 329,119
Change
Cash 19,186 -5,101 14,085
Investments 45,559 +10,831 56,390
Retirement acc 186,304 -20,144 166,160
Real estate 505,000 + 3,000 508,000
Other assets 17,780 -460 17,320
Total assets 773,829 -11,874 761,955

Mortgage 332,319 -3,200 329,119
Other debt 4,000 -4,000 0
Total debt 336,319 -7,200 329,119

I am now 21.5% on my way to achive my FIRE target of GBP 1,100,000. This is 1.6 percentage points closer, compared to the last net worth update.

GBP 236,635 FIRE target: GBP 1,100,000


21.5%

FI portfolio

My FI portfolio now consists of GBP 56,390 (23.8%) in investments, GBP 166,160 (70.2%) in retirement accounts, and GBP 14,085 (6.0%) in cash.

Investments

Since my last update, my investments increased with GBP 13,654 (31.95%), of which GBP 30 was from contributions, and GBP 1,952 was from returns.

Since I started tracking, my total contributions have been GBP 3,816, and my total return has been GBP 166,752.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,353 (2.69%), of which GBP 2,631 was from contributions , and GBP 19,713 was from returns.

Since I started tracking, my total contributions have been GBP 49,043, and my total return is GBP 30,804.




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

If I quit working today, my monthly pay out would be GBP 788 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
788/month
(4.0% SWR)
690/month
(3.5% SWR)
591/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately GBP 2,631 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,100,000 in 12 years and 6 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 442,008, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 421,357


Financial independence forecast