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Net worth update per


This is cybernaut's #46 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 937,350 and my FI portfolio decreased to GBP 642,600


Net worth

GBP 937,350

Since the last update on my net worth has decreased with GBP -400 ( -0.04 %).

FI portfolio

GBP 642,600

Since the last update on my FI portfolio has decreased with GBP -900 ( -0.14 %).

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 100,000 0 100,000
Investments 148,300 -2,400 145,900
Retirement acc 395,200 +1,500 396,700
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 963,500 -900 962,600

Mortgage 15,000 -200 14,800
Other debt 10,750 -300 10,450
Total debt 25,750 -500 25,250
Change
Cash 6,000 +94,000 100,000
Investments 148,800 -2,900 145,900
Retirement acc 381,700 +15,000 396,700
Real estate 300,000 + 20,000 320,000
Other assets 0 0 0
Total assets 836,500 +126,100 962,600

Mortgage 16,320 -1,520 14,800
Other debt 0 + 10,450 10,450
Total debt 16,320 + 8,930 25,250
Change
Cash 6,000 +94,000 100,000
Investments 89,000 +56,900 145,900
Retirement acc 283,000 +113,700 396,700
Real estate 280,000 + 40,000 320,000
Other assets 0 0 0
Total assets 658,000 +304,600 962,600

Mortgage 27,000 -12,200 14,800
Other debt 0 + 10,450 10,450
Total debt 27,000 -1,750 25,250

I am now 36.7% on my way to achive my FIRE target of GBP 1,750,000. This is -0.1 percentage points closer, compared to the last net worth update.

GBP 642,600 FIRE target: GBP 1,750,000


36.7%

FI portfolio

My FI portfolio now consists of GBP 145,900 (22.7%) in investments, GBP 396,700 (61.7%) in retirement accounts, and GBP 100,000 (15.6%) in cash.

Investments

Since my last update, my investments decreased with GBP -2,400 (-1.62%).

Since I started tracking, my total contributions have been GBP 147,600, and my total return has been GBP 28,520.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,500 (0.38%), of which GBP 8,950 was from contributions , and GBP -57,850 was from returns.

Since I started tracking, my total contributions have been GBP 164,281, and my total return is GBP 131,019.




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

If I quit working today, my monthly pay out would be GBP 2,142 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,142/month
(4.0% SWR)
1,874/month
(3.5% SWR)
1,606/month
(3.0% SWR)


When can I retire?

FI date

My age

55

I am currently aiming to save/invest approximately GBP 3,850 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,750,000 in 5 years and 8 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another GBP 392,700, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 714,700


Financial independence forecast