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Net worth update per


This is crazy's #10 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 886,000 and my FI portfolio decreased to GBP 696,500


Net worth

GBP 886,000

Since the last update on my net worth has decreased with GBP -100,500 ( -10.19 %).

FI portfolio

GBP 696,500

Since the last update on my FI portfolio has decreased with GBP -124,500 ( -15.16 %).

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 587,000 -142,000 445,000
Investments 79,000 +19,000 98,000
Retirement acc 155,000 -1,500 153,500
Real estate 219,500 + 14,500 234,000
Other assets 37,000 + 7,000 44,000
Total assets 1,077,500 -103,000 974,500

Mortgage 91,000 -2,500 88,500
Other debt 0 0 0
Total debt 91,000 -2,500 88,500
Change
Cash 587,000 -142,000 445,000
Investments 79,000 +19,000 98,000
Retirement acc 155,000 -1,500 153,500
Real estate 219,500 + 14,500 234,000
Other assets 37,000 + 7,000 44,000
Total assets 1,077,500 -103,000 974,500

Mortgage 91,000 -2,500 88,500
Other debt 0 0 0
Total debt 91,000 -2,500 88,500
Change
Cash 70,000 +375,000 445,000
Investments 0 +98,000 98,000
Retirement acc 4,000 +149,500 153,500
Real estate 161,250 + 72,750 234,000
Other assets 0 + 44,000 44,000
Total assets 235,250 +739,250 974,500

Mortgage 137,250 -48,750 88,500
Other debt 0 0 0
Total debt 137,250 -48,750 88,500

I am now 36.9% on my way to achive my FIRE target of GBP 1,888,888. This is -6.6 percentage points closer, compared to the last net worth update.

GBP 696,500 FIRE target: GBP 1,888,888


36.9%

FI portfolio

My FI portfolio now consists of GBP 98,000 (14.1%) in investments, GBP 153,500 (22.0%) in retirement accounts, and GBP 445,000 (63.9%) in cash.

Investments

Since my last update, my investments increased with GBP 19,000 (24.05%).

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -1,500 (-0.97%).




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

If I quit working today, my monthly pay out would be GBP 2,321 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,321/month
(4.0% SWR)
2,031/month
(3.5% SWR)
1,741/month
(3.0% SWR)


When can I retire?

FI date

My age

43

I am currently aiming to save/invest approximately GBP 2,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,888,888 in 14 years and 9 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another GBP 475,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 717,388


Financial independence forecast