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Net worth update per


This is Keepitreal's #26 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,322,500 and my FI portfolio decreased to GBP 581,500


Net worth

GBP 1,322,500

Since the last update on my net worth has increased with GBP 22,000 (+ 1.69 %).

FI portfolio

GBP 581,500

Since the last update on my FI portfolio has decreased with GBP -59,000 ( -9.21 %).

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 55,000 -18,000 37,000
Investments 200,000 -33,500 166,500
Retirement acc 385,500 -7,500 378,000
Real estate 1,420,000 + 5,000 1,425,000
Other assets 135,000 + 70,000 205,000
Total assets 2,195,500 +16,000 2,211,500

Mortgage 895,000 -6,000 889,000
Other debt 0 0 0
Total debt 895,000 -6,000 889,000
Change
Cash 25,000 +12,000 37,000
Investments 155,000 +11,500 166,500
Retirement acc 329,000 +49,000 378,000
Real estate 1,365,000 + 60,000 1,425,000
Other assets 150,000 + 55,000 205,000
Total assets 2,024,000 +187,500 2,211,500

Mortgage 901,000 -12,000 889,000
Other debt 0 0 0
Total debt 901,000 -12,000 889,000
Change
Cash 10,000 +27,000 37,000
Investments 0 +166,500 166,500
Retirement acc 200,000 +178,000 378,000
Real estate 1,230,000 + 195,000 1,425,000
Other assets 110,000 + 95,000 205,000
Total assets 1,550,000 +661,500 2,211,500

Mortgage 996,000 -107,000 889,000
Other debt 0 0 0
Total debt 996,000 -107,000 889,000

I am now 29.1% on my way to achive my FIRE target of GBP 2,000,000. This is -2.9 percentage points closer, compared to the last net worth update.

GBP 581,500 FIRE target: GBP 2,000,000


29.1%

FI portfolio

My FI portfolio now consists of GBP 166,500 (28.6%) in investments, GBP 378,000 (65.0%) in retirement accounts, and GBP 37,000 (6.4%) in cash.

Investments

Since my last update, my investments decreased with GBP -33,500 (-16.75%).

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 decreased with GBP -7,500 (-1.95%).

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 1,938 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,938/month
(4.0% SWR)
1,696/month
(3.5% SWR)
1,453/month
(3.0% SWR)


When can I retire?

FI date

My age

50

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 7 years and 1 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 714,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 704,500


Financial independence forecast