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Net worth update per


This is TwentyTurtles's #23 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 354,000 and my FI portfolio decreased to GBP 436,000


Net worth

GBP 354,000

Since the last update on my net worth has decreased with GBP -26,571 ( -6.98 %).

FI portfolio

GBP 436,000

Since the last update on my FI portfolio has decreased with GBP -41,511 ( -8.69 %).

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 44,405 +3,595 48,000
Investments 272,516 +5,484 278,000
Retirement acc 160,590 -50,590 110,000
Real estate 314,128 + 31,872 346,000
Other assets 4,803 + 197 5,000
Total assets 796,442 -9,442 787,000

Mortgage 415,871 17,129 433,000
Other debt 0 0 0
Total debt 415,871 17,129 433,000
Change
Cash 44,405 +3,595 48,000
Investments 272,516 +5,484 278,000
Retirement acc 160,590 -50,590 110,000
Real estate 314,128 + 31,872 346,000
Other assets 4,803 + 197 5,000
Total assets 796,442 -9,442 787,000

Mortgage 415,871 17,129 433,000
Other debt 0 0 0
Total debt 415,871 17,129 433,000
Change
Cash 97,966 -49,966 48,000
Investments 330,217 -52,217 278,000
Retirement acc 65,100 +44,900 110,000
Real estate 0 + 346,000 346,000
Other assets 0 + 5,000 5,000
Total assets 493,283 +293,717 787,000

Mortgage 0 433,000 433,000
Other debt 0 0 0
Total debt 0 + 433,000 433,000

I am now 31.1% on my way to achive my FIRE target of GBP 1,400,000. This is -3.0 percentage points closer, compared to the last net worth update.

GBP 436,000 FIRE target: GBP 1,400,000


31.1%

FI portfolio

My FI portfolio now consists of GBP 278,000 (63.8%) in investments, GBP 110,000 (25.2%) in retirement accounts, and GBP 48,000 (11.0%) in cash.

Investments

Since my last update, my investments increased with GBP 5,484 (2.01%), of which GBP 60,083 was from contributions, and GBP 165,235 was from returns.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -50,590 (-31.5%), of which GBP 39,390 was from contributions , and GBP 95,129 was from returns.

Since I started tracking, my total contributions have been GBP 68,824, and my total return is GBP 110,595.




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

If I quit working today, my monthly pay out would be GBP 1,453 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,453/month
(4.0% SWR)
1,271/month
(3.5% SWR)
1,090/month
(3.0% SWR)


When can I retire?

FI date

My age

42

I am currently aiming to save/invest approximately GBP 3,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,400,000 in 7 years and 11 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another GBP 372,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 592,000


Financial independence forecast