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Net worth update per


This is awedPonie3's #13 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 427,498 and my FI portfolio decreased to GBP 394,623


Net worth

GBP 427,498

Since the last update on my net worth has decreased with GBP -12,399 ( -2.82 %).

FI portfolio

GBP 394,623

Since the last update on my FI portfolio has decreased with GBP -10,220 ( -2.52 %).

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 12,656 +10 12,666
Investments 195,029 -12,148 182,881
Retirement acc 197,158 +1,918 199,076
Real estate 343,000 -3,000 340,000
Other assets 17,000 0 17,000
Total assets 764,843 -13,220 751,623

Mortgage 243,424 -484 242,940
Other debt 81,522 -337 81,185
Total debt 324,946 -821 324,125
Change
Cash 11,095 +1,571 12,666
Investments 59,228 +123,653 182,881
Retirement acc 169,778 +29,298 199,076
Real estate 532,000 -192,000 340,000
Other assets 17,000 0 17,000
Total assets 789,101 -37,478 751,623

Mortgage 328,307 -85,367 242,940
Other debt 2,000 + 79,185 81,185
Total debt 330,307 + -6,182 324,125
Change
Cash 19,186 -6,520 12,666
Investments 45,559 +137,322 182,881
Retirement acc 186,304 +12,772 199,076
Real estate 505,000 -165,000 340,000
Other assets 17,780 -780 17,000
Total assets 773,829 -22,206 751,623

Mortgage 332,319 -89,379 242,940
Other debt 4,000 + 77,185 81,185
Total debt 336,319 -12,194 324,125

I am now 35.9% 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 394,623 FIRE target: GBP 1,100,000


35.9%

FI portfolio

My FI portfolio now consists of GBP 182,881 (46.3%) in investments, GBP 199,076 (50.4%) in retirement accounts, and GBP 12,666 (3.2%) in cash.

Investments

Since my last update, my investments decreased with GBP -12,148 (-6.23%).

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 increased with GBP 1,918 (0.97%), 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 1,315 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,315/month
(4.0% SWR)
1,150/month
(3.5% SWR)
986/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 11 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 309,054, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 396,323


Financial independence forecast