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Net worth update per


This is Cloudstrife's #15 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 283,634 and my FI portfolio increased to GBP 140,026


Net worth

GBP 283,634

Since the last update on my net worth has increased with GBP 33,115 (+ 13.22 %).

FI portfolio

GBP 140,026

Since the last update on my FI portfolio has increased with GBP 7,607 (+ 5.74 %).

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 59,280 -1,518 57,762
Investments 28,753 +7,647 36,400
Retirement acc 44,386 +1,478 45,864
Real estate 192,500 + 20,050 212,550
Other assets 0 0 0
Total assets 324,919 +27,657 352,576

Mortgage 74,400 -5,458 68,942
Other debt 0 0 0
Total debt 74,400 -5,458 68,942
Change
Cash 59,280 -1,518 57,762
Investments 28,753 +7,647 36,400
Retirement acc 44,386 +1,478 45,864
Real estate 192,500 + 20,050 212,550
Other assets 0 0 0
Total assets 324,919 +27,657 352,576

Mortgage 74,400 -5,458 68,942
Other debt 0 0 0
Total debt 74,400 -5,458 68,942
Change
Cash 3,966 +53,796 57,762
Investments 200 +36,200 36,400
Retirement acc 15,189 +30,675 45,864
Real estate 147,000 + 65,550 212,550
Other assets 0 0 0
Total assets 166,355 +186,221 352,576

Mortgage 126,460 -57,518 68,942
Other debt 0 0 0
Total debt 126,460 -57,518 68,942

I am now 14.0% on my way to achive my FIRE target of GBP 1,000,000. This is 0.8 percentage points closer, compared to the last net worth update.

GBP 140,026 FIRE target: GBP 1,000,000


14.0%

FI portfolio

My FI portfolio now consists of GBP 36,400 (26.0%) in investments, GBP 45,864 (32.8%) in retirement accounts, and GBP 57,762 (41.3%) in cash.

Investments

Since my last update, my investments increased with GBP 7,647 (26.6%), of which GBP 4,500 was from contributions, and GBP -800 was from returns.

Since I started tracking, my total contributions have been GBP 52,000, and my total return has been GBP 15,903.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,478 (3.33%), of which GBP 7,283 was from contributions , and GBP -399 was from returns.

Since I started tracking, my total contributions have been GBP 62,878, and my total return is GBP 21,781.




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

If I quit working today, my monthly pay out would be GBP 466 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
466/month
(4.0% SWR)
408/month
(3.5% SWR)
350/month
(3.0% SWR)


When can I retire?

FI date

My age

55

I am currently aiming to save/invest approximately GBP 2,533 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 13 years and 2 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another GBP 483,803, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 376,171


Financial independence forecast