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Net worth update per


This is _o_'s #118 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 130,268 and my FI portfolio increased to GBP 76,529


Net worth

GBP 130,268

Since the last update on my net worth has increased with GBP 2,508 (+ 1.96 %).

FI portfolio

GBP 76,529

Since the last update on my FI portfolio has increased with GBP 1,755 (+ 2.35 %).

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 21,985 +1,355 23,340
Investments 12,904 +727 13,631
Retirement acc 39,885 -327 39,558
Real estate 140,000 0 140,000
Other assets 0 0 0
Total assets 214,774 +1,755 216,529

Mortgage 72,744 -340 72,404
Other debt 14,270 -413 13,857
Total debt 87,014 -753 86,261
Change
Cash 15,770 +7,570 23,340
Investments 2,302 +11,329 13,631
Retirement acc 29,699 +9,859 39,558
Real estate 143,000 -3,000 140,000
Other assets 0 0 0
Total assets 190,771 +25,758 216,529

Mortgage 74,935 -2,531 72,404
Other debt 9,906 + 3,951 13,857
Total debt 84,841 + 1,420 86,261
Change
Cash 83 +23,257 23,340
Investments 0 +13,631 13,631
Retirement acc 0 +39,558 39,558
Real estate 0 + 140,000 140,000
Other assets 0 0 0
Total assets 83 +216,446 216,529

Mortgage 0 72,404 72,404
Other debt 0 + 13,857 13,857
Total debt 0 + 86,261 86,261

I am now 12.2% on my way to achive my FIRE target of GBP 625,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 76,529 FIRE target: GBP 625,000


12.2%

FI portfolio

My FI portfolio now consists of GBP 13,631 (17.8%) in investments, GBP 39,558 (51.7%) in retirement accounts, and GBP 23,340 (30.5%) in cash.

Investments

Since my last update, my investments increased with GBP 727 (5.63%).

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -327 (-0.82%).




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

If I quit working today, my monthly pay out would be GBP 255 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
255/month
(4.0% SWR)
223/month
(3.5% SWR)
191/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately GBP 1,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 625,000 in 17 years and 0 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another GBP 210,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 338,471


Financial independence forecast