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Net worth update per


This is Keepitreal's #25 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 1,300,500 and my FI portfolio increased to GBP 640,500


Net worth

GBP 1,300,500

Since the last update on my net worth has decreased with GBP -20,500 ( -1.55 %).

FI portfolio

GBP 640,500

Since the last update on my FI portfolio has increased with GBP 31,500 (+ 5.17 %).

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 20,000 +35,000 55,000
Investments 219,000 -19,000 200,000
Retirement acc 370,000 +15,500 385,500
Real estate 1,420,000 0 1,420,000
Other assets 150,000 -15,000 135,000
Total assets 2,179,000 +16,500 2,195,500

Mortgage 858,000 37,000 895,000
Other debt 0 0 0
Total debt 858,000 37,000 895,000
Change
Cash 25,000 +30,000 55,000
Investments 155,000 +45,000 200,000
Retirement acc 329,000 +56,500 385,500
Real estate 1,365,000 + 55,000 1,420,000
Other assets 150,000 -15,000 135,000
Total assets 2,024,000 +171,500 2,195,500

Mortgage 901,000 -6,000 895,000
Other debt 0 0 0
Total debt 901,000 -6,000 895,000
Change
Cash 10,000 +45,000 55,000
Investments 0 +200,000 200,000
Retirement acc 200,000 +185,500 385,500
Real estate 1,230,000 + 190,000 1,420,000
Other assets 110,000 + 25,000 135,000
Total assets 1,550,000 +645,500 2,195,500

Mortgage 996,000 -101,000 895,000
Other debt 0 0 0
Total debt 996,000 -101,000 895,000

I am now 32.0% on my way to achive my FIRE target of GBP 2,000,000. This is 1.6 percentage points closer, compared to the last net worth update.

GBP 640,500 FIRE target: GBP 2,000,000


32.0%

FI portfolio

My FI portfolio now consists of GBP 200,000 (31.2%) in investments, GBP 385,500 (60.2%) in retirement accounts, and GBP 55,000 (8.6%) in cash.

Investments

Since my last update, my investments decreased with GBP -19,000 (-8.68%).

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 increased with GBP 15,500 (4.19%).

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 2,135 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,135/month
(4.0% SWR)
1,868/month
(3.5% SWR)
1,601/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 6 years and 8 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 679,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 680,500


Financial independence forecast