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Net worth update per


This is awedPonie3's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 497,664 and my FI portfolio increased to GBP 457,785


Net worth

GBP 497,664

Since the last update on my net worth has increased with GBP 14,401 (+ 2.98 %).

FI portfolio

GBP 457,785

Since the last update on my FI portfolio has increased with GBP 13,840 (+ 3.12 %).

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 18,866 -9,117 9,749
Investments 204,175 +7,439 211,614
Retirement acc 220,904 +15,518 236,422
Real estate 347,017 0 347,017
Other assets 17,000 0 17,000
Total assets 807,962 +13,840 821,802

Mortgage 240,531 -253 240,278
Other debt 84,168 -308 83,860
Total debt 324,699 -561 324,138
Change
Cash 11,095 -1,346 9,749
Investments 59,228 +152,386 211,614
Retirement acc 169,778 +66,644 236,422
Real estate 532,000 -184,983 347,017
Other assets 17,000 0 17,000
Total assets 789,101 +32,701 821,802

Mortgage 328,307 -88,029 240,278
Other debt 2,000 + 81,860 83,860
Total debt 330,307 + -6,169 324,138
Change
Cash 19,186 -9,437 9,749
Investments 45,559 +166,055 211,614
Retirement acc 186,304 +50,118 236,422
Real estate 505,000 -157,983 347,017
Other assets 17,780 -780 17,000
Total assets 773,829 +47,973 821,802

Mortgage 332,319 -92,041 240,278
Other debt 4,000 + 79,860 83,860
Total debt 336,319 -12,181 324,138

I am now 41.6% on my way to achive my FIRE target of GBP 1,100,000. This is 1.3 percentage points closer, compared to the last net worth update.

GBP 457,785 FIRE target: GBP 1,100,000


41.6%

FI portfolio

My FI portfolio now consists of GBP 211,614 (46.2%) in investments, GBP 236,422 (51.6%) in retirement accounts, and GBP 9,749 (2.1%) in cash.

Investments

Since my last update, my investments increased with GBP 7,439 (3.64%), of which GBP 30 was from contributions, and GBP 1,952 was from returns.

Since I started tracking, my total contributions have been GBP 3,816, and my total return has been GBP 166,752.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 15,518 (7.02%), of which GBP 2,631 was from contributions , and GBP 19,713 was from returns.

Since I started tracking, my total contributions have been GBP 49,043, and my total return is GBP 30,804.




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

If I quit working today, my monthly pay out would be GBP 1,525 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,525/month
(4.0% SWR)
1,335/month
(3.5% SWR)
1,144/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately GBP 2,631 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,100,000 in 8 years and 11 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 294,672, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 347,543


Financial independence forecast