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Net worth update per December 9th 2022


This is awedPonie3's #5 net worth update. Please check out my profile here for more information. As of December 9th 2022, my net worth increased to GBP 458,794 and my FI portfolio increased to GBP 240,101


Net worth

GBP 458,794

Since the last update on November 3rd 2022 my net worth has increased with GBP 25,958 (+ 6.0 %).

FI portfolio

GBP 240,101

Since the last update on November 3rd 2022 my FI portfolio has increased with GBP 3,466 (+ 1.46 %).

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.
3 Nov 22 Change 9 Dec 22
Cash 14,085 -2,990 11,095
Investments 56,390 +2,838 59,228
Retirement acc 166,160 +3,618 169,778
Real estate 508,000 + 24,000 532,000
Other assets 17,320 -320 17,000
Total assets 761,955 +27,146 789,101

Mortgage 329,119 -812 328,307
Other debt 0 + 2,000 2,000
Total debt 329,119 + 1,188 330,307
22 Aug 22 Change 9 Dec 22
Cash 19,186 -8,091 11,095
Investments 45,559 +13,669 59,228
Retirement acc 186,304 -16,526 169,778
Real estate 505,000 + 27,000 532,000
Other assets 17,780 -780 17,000
Total assets 773,829 +15,272 789,101

Mortgage 332,319 -4,012 328,307
Other debt 4,000 -2,000 2,000
Total debt 336,319 -6,012 330,307
22 Aug 22 Change 9 Dec 22
Cash 19,186 -8,091 11,095
Investments 45,559 +13,669 59,228
Retirement acc 186,304 -16,526 169,778
Real estate 505,000 + 27,000 532,000
Other assets 17,780 -780 17,000
Total assets 773,829 +15,272 789,101

Mortgage 332,319 -4,012 328,307
Other debt 4,000 -2,000 2,000
Total debt 336,319 -6,012 330,307

I am now 21.8% on my way to achive my FIRE target of GBP 1,100,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 240,101 FIRE target: GBP 1,100,000


21.8%

FI portfolio

My FI portfolio now consists of GBP 59,228 (24.7%) in investments, GBP 169,778 (70.7%) in retirement accounts, and GBP 11,095 (4.6%) in cash.

Investments

Since my last update, my investments increased with GBP 2,838 (5.03%).

Since I started tracking, my total contributions have been GBP 10,793, and my total return has been GBP 127,220.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 3,618 (2.18%), of which GBP 1,807 was from contributions , and GBP 17,245 was from returns.

Since I started tracking, my total contributions have been GBP 66,966, and my total return is GBP 70,149.




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

If I quit working today, my monthly pay out would be GBP 800 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
800/month
(4.0% SWR)
700/month
(3.5% SWR)
600/month
(3.0% SWR)


When can I retire?

FI date

June 2035

My age

50

I am currently aiming to save/invest approximately GBP 2,711 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,100,000 in 10 years and 0 months, in June 2035, and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 406,650, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 453,249


Financial independence forecast