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Net worth update per


This is cybernaut's #43 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 827,170 and my FI portfolio increased to GBP 542,700


Net worth

GBP 827,170

Since the last update on my net worth has increased with GBP 3,950 (+ 0.48 %).

FI portfolio

GBP 542,700

Since the last update on my FI portfolio has increased with GBP 3,700 (+ 0.69 %).

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 6,000 0 6,000
Investments 151,900 -4,400 147,500
Retirement acc 381,100 +8,100 389,200
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 839,000 +3,700 842,700

Mortgage 15,780 -250 15,530
Other debt 0 0 0
Total debt 15,780 -250 15,530
Change
Cash 6,000 0 6,000
Investments 148,800 -1,300 147,500
Retirement acc 381,700 +7,500 389,200
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 836,500 +6,200 842,700

Mortgage 16,320 -790 15,530
Other debt 0 0 0
Total debt 16,320 -790 15,530
Change
Cash 6,000 0 6,000
Investments 89,000 +58,500 147,500
Retirement acc 283,000 +106,200 389,200
Real estate 280,000 + 20,000 300,000
Other assets 0 0 0
Total assets 658,000 +184,700 842,700

Mortgage 27,000 -11,470 15,530
Other debt 0 0 0
Total debt 27,000 -11,470 15,530

I am now 43.4% on my way to achive my FIRE target of GBP 1,250,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 542,700 FIRE target: GBP 1,250,000


43.4%

FI portfolio

My FI portfolio now consists of GBP 147,500 (27.2%) in investments, GBP 389,200 (71.7%) in retirement accounts, and GBP 6,000 (1.1%) in cash.

Investments

Since my last update, my investments decreased with GBP -4,400 (-2.9%), of which GBP 100 was from contributions, and GBP -6,500 was from returns.

Since I started tracking, my total contributions have been GBP 140,800, and my total return has been GBP 9,200.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 8,100 (2.13%), of which GBP 3,477 was from contributions , and GBP -13,377 was from returns.

Since I started tracking, my total contributions have been GBP 120,188, and my total return is GBP 90,212.




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

If I quit working today, my monthly pay out would be GBP 1,809 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,809/month
(4.0% SWR)
1,582/month
(3.5% SWR)
1,356/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,250,000 in 3 years and 5 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 232,490, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 474,810


Financial independence forecast