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Net worth update per


This is imjared's #10 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 33,120 and my FI portfolio increased to GBP 33,120


Net worth

GBP 33,120

Since the last update on my net worth has increased with GBP 649 (+ 2.0 %).

FI portfolio

GBP 33,120

Since the last update on my FI portfolio has increased with GBP 649 (+ 2.0 %).

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 4,523 +819 5,342
Investments 16,126 -522 15,604
Retirement acc 11,822 +352 12,174
Real estate 0 0 0
Other assets 0 0 0
Total assets 32,471 +649 33,120

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 9,106 -3,764 5,342
Investments 9,369 +6,235 15,604
Retirement acc 10,421 +1,753 12,174
Real estate 0 0 0
Other assets 0 0 0
Total assets 28,896 +4,224 33,120

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 4,211 +1,131 5,342
Investments 11,352 +4,252 15,604
Retirement acc 7,392 +4,782 12,174
Real estate 0 0 0
Other assets 0 0 0
Total assets 22,955 +10,165 33,120

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

I am now 6.6% on my way to achive my FIRE target of GBP 500,000. This is 0.1 percentage points closer, compared to the last net worth update.

GBP 33,120 FIRE target: GBP 500,000


6.6%

FI portfolio

My FI portfolio now consists of GBP 15,604 (47.1%) in investments, GBP 12,174 (36.8%) in retirement accounts, and GBP 5,342 (16.1%) in cash.

Investments

Since my last update, my investments decreased with GBP -522 (-3.24%), of which GBP 750 was from contributions, and GBP -750 was from returns.

Since I started tracking, my total contributions have been GBP 23,346, and my total return has been GBP 10,896.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 352 (2.98%).

Since I started tracking, my total contributions have been GBP 32,006, and my total return is GBP 11,036.




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

If I quit working today, my monthly pay out would be GBP 110 for the rest of my life.


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


When can I retire?

FI date

My age

38

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 500,000 in 6 years and 4 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another GBP 321,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 145,880


Financial independence forecast