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Net worth update per January 9th 2023


This is imjared's #7 net worth update. Please check out my profile here for more information. As of January 9th 2023, my net worth increased to GBP 29,089 and my FI portfolio increased to GBP 29,089


Net worth

GBP 29,089

Since the last update on September 30th 2022 my net worth has increased with GBP 193 (+ 0.67 %).

FI portfolio

GBP 29,089

Since the last update on September 30th 2022 my FI portfolio has increased with GBP 193 (+ 0.67 %).

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.
30 Sep 22 Change 9 Jan 23
Cash 9,106 -2,804 6,302
Investments 9,369 +2,165 11,534
Retirement acc 10,421 +832 11,253
Real estate 0 0 0
Other assets 0 0 0
Total assets 28,896 +193 29,089

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
30 Sep 22 Change 9 Jan 23
Cash 9,106 -2,804 6,302
Investments 9,369 +2,165 11,534
Retirement acc 10,421 +832 11,253
Real estate 0 0 0
Other assets 0 0 0
Total assets 28,896 +193 29,089

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
14 Apr 22 Change 9 Jan 23
Cash 4,211 +2,091 6,302
Investments 11,352 +182 11,534
Retirement acc 7,392 +3,861 11,253
Real estate 0 0 0
Other assets 0 0 0
Total assets 22,955 +6,134 29,089

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 5.8% on my way to achive my FIRE target of GBP 500,000. This is 0.0 percentage points closer, compared to the last net worth update.

GBP 29,089 FIRE target: GBP 500,000


5.8%

FI portfolio

My FI portfolio now consists of GBP 11,534 (39.7%) in investments, GBP 11,253 (38.7%) in retirement accounts, and GBP 6,302 (21.7%) in cash.

Investments

Since my last update, my investments increased with GBP 2,165 (23.11%), of which GBP 558 was from contributions, and GBP -1,632 was from returns.

Since I started tracking, my total contributions have been GBP 19,471, and my total return has been GBP 5,137.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 832 (7.98%), of which GBP 1,399 was from contributions , and GBP -2,206 was from returns.

Since I started tracking, my total contributions have been GBP 25,543, and my total return is GBP 1,651.




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

If I quit working today, my monthly pay out would be GBP 96 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
96/month
(4.0% SWR)
84/month
(3.5% SWR)
72/month
(3.0% SWR)


When can I retire?

FI date

July 2034

My age

41

I am currently aiming to save/invest approximately GBP 2,100 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 500,000 in 9 years and 1 months, in July 2034, and at that time I will be 41 years old.

By that time I will have invested/saved another GBP 289,800, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 181,111


Financial independence forecast