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Net worth update per


This is awedPonie3's #10 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 451,531 and my FI portfolio decreased to GBP 404,001


Net worth

GBP 451,531

Since the last update on my net worth has decreased with GBP -9,539 ( -2.07 %).

FI portfolio

GBP 404,001

Since the last update on my FI portfolio has decreased with GBP -9,681 ( -2.34 %).

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 10,671 +1,320 11,991
Investments 217,396 -9,078 208,318
Retirement acc 185,615 -1,923 183,692
Real estate 358,000 0 358,000
Other assets 17,000 0 17,000
Total assets 788,682 -9,681 779,001

Mortgage 243,893 0 243,893
Other debt 83,719 -142 83,577
Total debt 327,612 -142 327,470
Change
Cash 11,095 +896 11,991
Investments 59,228 +149,090 208,318
Retirement acc 169,778 +13,914 183,692
Real estate 532,000 -174,000 358,000
Other assets 17,000 0 17,000
Total assets 789,101 -10,100 779,001

Mortgage 328,307 -84,414 243,893
Other debt 2,000 + 81,577 83,577
Total debt 330,307 + -2,837 327,470
Change
Cash 19,186 -7,195 11,991
Investments 45,559 +162,759 208,318
Retirement acc 186,304 -2,612 183,692
Real estate 505,000 -147,000 358,000
Other assets 17,780 -780 17,000
Total assets 773,829 +5,172 779,001

Mortgage 332,319 -88,426 243,893
Other debt 4,000 + 79,577 83,577
Total debt 336,319 -8,849 327,470

I am now 36.7% on my way to achive my FIRE target of GBP 1,100,000. This is -0.9 percentage points closer, compared to the last net worth update.

GBP 404,001 FIRE target: GBP 1,100,000


36.7%

FI portfolio

My FI portfolio now consists of GBP 208,318 (51.6%) in investments, GBP 183,692 (45.5%) in retirement accounts, and GBP 11,991 (3.0%) in cash.

Investments

Since my last update, my investments decreased with GBP -9,078 (-4.18%).

Since I started tracking, my total contributions have been GBP 9,438, and my total return has been GBP 121,565.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -1,923 (-1.04%), of which GBP 1,355 was from contributions , and GBP 1,525 was from returns.

Since I started tracking, my total contributions have been GBP 63,804, and my total return is GBP 72,603.




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

If I quit working today, my monthly pay out would be GBP 1,346 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,346/month
(4.0% SWR)
1,178/month
(3.5% SWR)
1,010/month
(3.0% SWR)


When can I retire?

FI date

My age

47

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 7 years and 6 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 303,632, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 392,367


Financial independence forecast