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Net worth update per


This is awedPonie3's #14 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 440,259 and my FI portfolio increased to GBP 411,891


Net worth

GBP 440,259

Since the last update on my net worth has increased with GBP 12,761 (+ 2.99 %).

FI portfolio

GBP 411,891

Since the last update on my FI portfolio has increased with GBP 17,268 (+ 4.38 %).

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 12,666 +1,800 14,466
Investments 182,881 +6,226 189,107
Retirement acc 199,076 +9,242 208,318
Real estate 340,000 -5,000 335,000
Other assets 17,000 0 17,000
Total assets 751,623 +12,268 763,891

Mortgage 242,940 0 242,940
Other debt 81,185 -493 80,692
Total debt 324,125 -493 323,632
Change
Cash 11,095 +3,371 14,466
Investments 59,228 +129,879 189,107
Retirement acc 169,778 +38,540 208,318
Real estate 532,000 -197,000 335,000
Other assets 17,000 0 17,000
Total assets 789,101 -25,210 763,891

Mortgage 328,307 -85,367 242,940
Other debt 2,000 + 78,692 80,692
Total debt 330,307 + -6,675 323,632
Change
Cash 19,186 -4,720 14,466
Investments 45,559 +143,548 189,107
Retirement acc 186,304 +22,014 208,318
Real estate 505,000 -170,000 335,000
Other assets 17,780 -780 17,000
Total assets 773,829 -9,938 763,891

Mortgage 332,319 -89,379 242,940
Other debt 4,000 + 76,692 80,692
Total debt 336,319 -12,687 323,632

I am now 37.4% on my way to achive my FIRE target of GBP 1,100,000. This is 1.6 percentage points closer, compared to the last net worth update.

GBP 411,891 FIRE target: GBP 1,100,000


37.4%

FI portfolio

My FI portfolio now consists of GBP 189,107 (45.9%) in investments, GBP 208,318 (50.6%) in retirement accounts, and GBP 14,466 (3.5%) in cash.

Investments

Since my last update, my investments increased with GBP 6,226 (3.4%).

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 9,242 (4.64%), 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 1,372 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,372/month
(4.0% SWR)
1,201/month
(3.5% SWR)
1,029/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 8 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 298,210, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 389,899


Financial independence forecast