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Net worth update per March 1st 2023


This is theflairbunny's #48 net worth update. Please check out my profile here for more information. As of March 1st 2023, my net worth increased to GBP 327,004 and my FI portfolio increased to GBP 327,004


Net worth

GBP 327,004

Since the last update on February 1st 2023 my net worth has increased with GBP 1,689 (+ 0.52 %).

FI portfolio

GBP 327,004

Since the last update on February 1st 2023 my FI portfolio has increased with GBP 1,689 (+ 0.52 %).

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 Feb 23 Change 1 Mar 23
Cash 6,432 +19,340 25,772
Investments 219,487 -18,096 201,391
Retirement acc 99,396 +445 99,841
Real estate 0 0 0
Other assets 0 0 0
Total assets 325,315 +1,689 327,004

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
4 Dec 22 Change 1 Mar 23
Cash 0 +25,772 25,772
Investments 226,419 -25,028 201,391
Retirement acc 91,670 +8,171 99,841
Real estate 0 0 0
Other assets 0 0 0
Total assets 318,089 +8,915 327,004

Mortgage 0 0 0
Other debt 7,457 -7,457 0
Total debt 7,457 -7,457 0
5 Apr 19 Change 1 Mar 23
Cash 2,082 +23,690 25,772
Investments 3,137 +198,254 201,391
Retirement acc 7,160 +92,681 99,841
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +314,625 327,004

Mortgage 0 0 0
Other debt 15,575 -15,575 0
Total debt 15,575 -15,575 0

I am now 54.5% on my way to achive my FIRE target of GBP 600,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 327,004 FIRE target: GBP 600,000


54.5%

FI portfolio

My FI portfolio now consists of GBP 201,391 (61.6%) in investments, GBP 99,841 (30.5%) in retirement accounts, and GBP 25,772 (7.9%) in cash.

Investments

Since my last update, my investments decreased with GBP -18,096 (-8.24%), of which GBP 20,000 was from contributions, and GBP 32,027 was from returns.

Since I started tracking, my total contributions have been GBP 285,377, and my total return has been GBP 88,901.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 445 (0.45%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 32,900.




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

If I quit working today, my monthly pay out would be GBP 1,090 for the rest of my life.


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


When can I retire?

FI date

November 2025

My age

34

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 4 months, in November 2025, and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 192,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 80,996


Financial independence forecast