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Net worth update per


This is awedPonie3's #6 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 463,134 and my FI portfolio increased to GBP 244,162


Net worth

GBP 463,134

Since the last update on my net worth has increased with GBP 4,340 (+ 0.95 %).

FI portfolio

GBP 244,162

Since the last update on my FI portfolio has increased with GBP 4,061 (+ 1.69 %).

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 11,095 -438 10,657
Investments 59,228 +4,423 63,651
Retirement acc 169,778 +76 169,854
Real estate 532,000 0 532,000
Other assets 17,000 0 17,000
Total assets 789,101 +4,061 793,162

Mortgage 328,307 721 329,028
Other debt 2,000 -1,000 1,000
Total debt 330,307 -279 330,028
Change
Cash 11,095 -438 10,657
Investments 59,228 +4,423 63,651
Retirement acc 169,778 +76 169,854
Real estate 532,000 0 532,000
Other assets 17,000 0 17,000
Total assets 789,101 +4,061 793,162

Mortgage 328,307 721 329,028
Other debt 2,000 -1,000 1,000
Total debt 330,307 -279 330,028
Change
Cash 19,186 -8,529 10,657
Investments 45,559 +18,092 63,651
Retirement acc 186,304 -16,450 169,854
Real estate 505,000 + 27,000 532,000
Other assets 17,780 -780 17,000
Total assets 773,829 +19,333 793,162

Mortgage 332,319 -3,291 329,028
Other debt 4,000 -3,000 1,000
Total debt 336,319 -6,291 330,028

I am now 22.2% on my way to achive my FIRE target of GBP 1,100,000. This is 0.4 percentage points closer, compared to the last net worth update.

GBP 244,162 FIRE target: GBP 1,100,000


22.2%

FI portfolio

My FI portfolio now consists of GBP 63,651 (26.1%) in investments, GBP 169,854 (69.6%) in retirement accounts, and GBP 10,657 (4.4%) in cash.

Investments

Since my last update, my investments increased with GBP 4,423 (7.47%).

Since I started tracking, my total contributions have been GBP 9,438, and my total return has been GBP 121,565.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 76 (0.04%), of which GBP 1,355 was from contributions , and GBP 1,525 was from returns.

Since I started tracking, my total contributions have been GBP 63,804, and my total return is GBP 72,603.




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

If I quit working today, my monthly pay out would be GBP 813 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
813/month
(4.0% SWR)
712/month
(3.5% SWR)
610/month
(3.0% SWR)


When can I retire?

FI date

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 5 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 403,939, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 451,899


Financial independence forecast