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This is crazy's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 935,000 and my FI portfolio increased to GBP 739,500


Net worth

GBP 935,000

Since the last update on my net worth has increased with GBP 49,000 (+ 5.53 %).

FI portfolio

GBP 739,500

Since the last update on my FI portfolio has increased with GBP 43,000 (+ 6.17 %).

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 445,000 +5,000 450,000
Investments 98,000 +3,500 101,500
Retirement acc 153,500 +34,500 188,000
Real estate 234,000 + 3,500 237,500
Other assets 44,000 0 44,000
Total assets 974,500 +46,500 1,021,000

Mortgage 88,500 -2,500 86,000
Other debt 0 0 0
Total debt 88,500 -2,500 86,000
Change
Cash 587,000 -137,000 450,000
Investments 79,000 +22,500 101,500
Retirement acc 155,000 +33,000 188,000
Real estate 219,500 + 18,000 237,500
Other assets 37,000 + 7,000 44,000
Total assets 1,077,500 -56,500 1,021,000

Mortgage 91,000 -5,000 86,000
Other debt 0 0 0
Total debt 91,000 -5,000 86,000
Change
Cash 70,000 +380,000 450,000
Investments 0 +101,500 101,500
Retirement acc 4,000 +184,000 188,000
Real estate 161,250 + 76,250 237,500
Other assets 0 + 44,000 44,000
Total assets 235,250 +785,750 1,021,000

Mortgage 137,250 -51,250 86,000
Other debt 0 0 0
Total debt 137,250 -51,250 86,000

I am now 39.2% on my way to achive my FIRE target of GBP 1,888,888. This is 2.3 percentage points closer, compared to the last net worth update.

GBP 739,500 FIRE target: GBP 1,888,888


39.2%

FI portfolio

My FI portfolio now consists of GBP 101,500 (13.7%) in investments, GBP 188,000 (25.4%) in retirement accounts, and GBP 450,000 (60.9%) in cash.

Investments

Since my last update, my investments increased with GBP 3,500 (3.57%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 34,500 (22.48%).




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

If I quit working today, my monthly pay out would be GBP 2,465 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,465/month
(4.0% SWR)
2,156/month
(3.5% SWR)
1,848/month
(3.0% SWR)


When can I retire?

FI date

My age

42

I am currently aiming to save/invest approximately GBP 2,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,888,888 in 13 years and 5 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another GBP 450,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 699,388


Financial independence forecast