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Net worth update per January 7th 2023


This is awedPonie3's #7 net worth update. Please check out my profile here for more information. As of January 7th 2023, my net worth increased to GBP 463,249 and my FI portfolio increased to GBP 408,419


Net worth

GBP 463,249

Since the last update on January 1st 2023 my net worth has increased with GBP 115 (+ 0.02 %).

FI portfolio

GBP 408,419

Since the last update on January 1st 2023 my FI portfolio has increased with GBP 164,257 (+ 67.27 %).

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.
1 Jan 23 Change 7 Jan 23
Cash 10,657 +14 10,671
Investments 63,651 +162,491 226,142
Retirement acc 169,854 +1,752 171,606
Real estate 532,000 -165,000 367,000
Other assets 17,000 0 17,000
Total assets 793,162 -743 792,419

Mortgage 329,028 -1,558 327,470
Other debt 1,000 + 700 1,700
Total debt 330,028 + -858 329,170
9 Dec 22 Change 7 Jan 23
Cash 11,095 -424 10,671
Investments 59,228 +166,914 226,142
Retirement acc 169,778 +1,828 171,606
Real estate 532,000 -165,000 367,000
Other assets 17,000 0 17,000
Total assets 789,101 +3,318 792,419

Mortgage 328,307 -837 327,470
Other debt 2,000 -300 1,700
Total debt 330,307 -1,137 329,170
22 Aug 22 Change 7 Jan 23
Cash 19,186 -8,515 10,671
Investments 45,559 +180,583 226,142
Retirement acc 186,304 -14,698 171,606
Real estate 505,000 -138,000 367,000
Other assets 17,780 -780 17,000
Total assets 773,829 +18,590 792,419

Mortgage 332,319 -4,849 327,470
Other debt 4,000 -2,300 1,700
Total debt 336,319 -7,149 329,170

I am now 37.1% on my way to achive my FIRE target of GBP 1,100,000. This is 14.9 percentage points closer, compared to the last net worth update.

GBP 408,419 FIRE target: GBP 1,100,000


37.1%

FI portfolio

My FI portfolio now consists of GBP 226,142 (55.4%) in investments, GBP 171,606 (42.0%) in retirement accounts, and GBP 10,671 (2.6%) in cash.

Investments

Since my last update, my investments increased with GBP 162,491 (255.28%).

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 1,752 (1.03%), 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 1,361 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,361/month
(4.0% SWR)
1,191/month
(3.5% SWR)
1,021/month
(3.0% SWR)


When can I retire?

FI date

April 2032

My age

46

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 6 years and 10 months, in April 2032, and at that time I will be 46 years old.

By that time I will have invested/saved another GBP 300,921, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 390,660


Financial independence forecast