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Net worth update per


This is TheShidoshi's #12 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 310,093 and my FI portfolio increased to GBP 330,715


Net worth

GBP 310,093

Since the last update on my net worth has increased with GBP 37,493 (+ 13.75 %).

FI portfolio

GBP 330,715

Since the last update on my FI portfolio has increased with GBP 58,115 (+ 21.32 %).

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 96,437 -15,624 80,813
Investments 111,381 +27,529 138,910
Retirement acc 64,782 +46,210 110,992
Real estate 0 0 0
Other assets 0 0 0
Total assets 272,600 +58,115 330,715

Mortgage 0 0 0
Other debt 0 + 20,622 20,622
Total debt 0 + 20,622 20,622
Change
Cash 96,437 -15,624 80,813
Investments 111,381 +27,529 138,910
Retirement acc 64,782 +46,210 110,992
Real estate 0 0 0
Other assets 0 0 0
Total assets 272,600 +58,115 330,715

Mortgage 0 0 0
Other debt 0 + 20,622 20,622
Total debt 0 + 20,622 20,622
Change
Cash 71,211 +9,602 80,813
Investments 57,708 +81,202 138,910
Retirement acc 36,904 +74,088 110,992
Real estate 0 0 0
Other assets 0 0 0
Total assets 165,823 +164,892 330,715

Mortgage 0 0 0
Other debt 0 + 20,622 20,622
Total debt 0 + 20,622 20,622

I am now 33.1% on my way to achive my FIRE target of GBP 1,000,000. This is 5.8 percentage points closer, compared to the last net worth update.

GBP 330,715 FIRE target: GBP 1,000,000


33.1%

FI portfolio

My FI portfolio now consists of GBP 138,910 (42.0%) in investments, GBP 110,992 (33.6%) in retirement accounts, and GBP 80,813 (24.4%) in cash.

Investments

Since my last update, my investments increased with GBP 27,529 (24.72%).

Since I started tracking, my total contributions have been GBP 2,265, and my total return has been GBP 78,937.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 46,210 (71.33%).

Since I started tracking, my total contributions have been GBP 2,705, and my total return is GBP 71,383.




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

If I quit working today, my monthly pay out would be GBP 1,102 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,102/month
(4.0% SWR)
964/month
(3.5% SWR)
826/month
(3.0% SWR)


When can I retire?

FI date

My age

60

I am currently aiming to save/invest approximately GBP 1,250 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 14 years and 9 months, in , and at that time I will be 60 years old.

By that time I will have invested/saved another GBP 232,500, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 436,785


Financial independence forecast