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Net worth update per


This is Keepitreal's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,321,000 and my FI portfolio increased to GBP 609,000


Net worth

GBP 1,321,000

Since the last update on my net worth has increased with GBP 27,000 (+ 2.09 %).

FI portfolio

GBP 609,000

Since the last update on my FI portfolio has increased with GBP 3,000 (+ 0.5 %).

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 30,000 -10,000 20,000
Investments 205,000 +14,000 219,000
Retirement acc 371,000 -1,000 370,000
Real estate 1,405,000 + 15,000 1,420,000
Other assets 150,000 0 150,000
Total assets 2,161,000 +18,000 2,179,000

Mortgage 867,000 -9,000 858,000
Other debt 0 0 0
Total debt 867,000 -9,000 858,000
Change
Cash 25,000 -5,000 20,000
Investments 155,000 +64,000 219,000
Retirement acc 329,000 +41,000 370,000
Real estate 1,365,000 + 55,000 1,420,000
Other assets 150,000 0 150,000
Total assets 2,024,000 +155,000 2,179,000

Mortgage 901,000 -43,000 858,000
Other debt 0 0 0
Total debt 901,000 -43,000 858,000
Change
Cash 10,000 +10,000 20,000
Investments 0 +219,000 219,000
Retirement acc 200,000 +170,000 370,000
Real estate 1,230,000 + 190,000 1,420,000
Other assets 110,000 + 40,000 150,000
Total assets 1,550,000 +629,000 2,179,000

Mortgage 996,000 -138,000 858,000
Other debt 0 0 0
Total debt 996,000 -138,000 858,000

I am now 30.4% on my way to achive my FIRE target of GBP 2,000,000. This is 0.1 percentage points closer, compared to the last net worth update.

GBP 609,000 FIRE target: GBP 2,000,000


30.4%

FI portfolio

My FI portfolio now consists of GBP 219,000 (36.0%) in investments, GBP 370,000 (60.8%) in retirement accounts, and GBP 20,000 (3.3%) in cash.

Investments

Since my last update, my investments increased with GBP 14,000 (6.83%).

Since I started tracking, my total contributions have been GBP 20,000, and my total return has been GBP 146,500.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -1,000 (-0.27%).

Since I started tracking, my total contributions have been GBP 4,000, and my total return is GBP 174,000.




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

If I quit working today, my monthly pay out would be GBP 2,030 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,030/month
(4.0% SWR)
1,776/month
(3.5% SWR)
1,522/month
(3.0% SWR)


When can I retire?

FI date

My age

49

I am currently aiming to save/invest approximately GBP 7,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 2,000,000 in 7 years and 4 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 693,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 698,000


Financial independence forecast