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Net worth update per


This is Cloudstrife's #16 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 293,407 and my FI portfolio decreased to GBP 139,807


Net worth

GBP 293,407

Since the last update on my net worth has increased with GBP 9,773 (+ 3.45 %).

FI portfolio

GBP 139,807

Since the last update on my FI portfolio has decreased with GBP -219 ( -0.16 %).

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 57,762 -4,144 53,618
Investments 36,400 +1,380 37,780
Retirement acc 45,864 +2,545 48,409
Real estate 212,550 + 2,300 214,850
Other assets 0 0 0
Total assets 352,576 +2,081 354,657

Mortgage 68,942 -7,692 61,250
Other debt 0 0 0
Total debt 68,942 -7,692 61,250
Change
Cash 59,280 -5,662 53,618
Investments 28,753 +9,027 37,780
Retirement acc 44,386 +4,023 48,409
Real estate 192,500 + 22,350 214,850
Other assets 0 0 0
Total assets 324,919 +29,738 354,657

Mortgage 74,400 -13,150 61,250
Other debt 0 0 0
Total debt 74,400 -13,150 61,250
Change
Cash 3,966 +49,652 53,618
Investments 200 +37,580 37,780
Retirement acc 15,189 +33,220 48,409
Real estate 147,000 + 67,850 214,850
Other assets 0 0 0
Total assets 166,355 +188,302 354,657

Mortgage 126,460 -65,210 61,250
Other debt 0 0 0
Total debt 126,460 -65,210 61,250

I am now 14.0% on my way to achive my FIRE target of GBP 1,000,000. This is -0.0 percentage points closer, compared to the last net worth update.

GBP 139,807 FIRE target: GBP 1,000,000


14.0%

FI portfolio

My FI portfolio now consists of GBP 37,780 (27.0%) in investments, GBP 48,409 (34.6%) in retirement accounts, and GBP 53,618 (38.4%) in cash.

Investments

Since my last update, my investments increased with GBP 1,380 (3.79%), of which GBP 6,250 was from contributions, and GBP 11,207 was from returns.

Since I started tracking, my total contributions have been GBP 47,500, and my total return has been GBP 16,703.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 2,545 (5.55%), of which GBP 15,605 was from contributions , and GBP 13,764 was from returns.

Since I started tracking, my total contributions have been GBP 55,595, and my total return is GBP 22,180.




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)
407/month
(3.5% SWR)
349/month
(3.0% SWR)


When can I retire?

FI date

My age

58

I am currently aiming to save/invest approximately GBP 1,842 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 16 years and 9 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 419,976, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 440,217


Financial independence forecast