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Net worth update per


This is _o_'s #119 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 134,987 and my FI portfolio increased to GBP 82,455


Net worth

GBP 134,987

Since the last update on my net worth has increased with GBP 4,719 (+ 3.62 %).

FI portfolio

GBP 82,455

Since the last update on my FI portfolio has increased with GBP 5,926 (+ 7.74 %).

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 23,340 +1,563 24,903
Investments 13,631 +1,025 14,656
Retirement acc 39,558 +3,338 42,896
Real estate 140,000 -1,000 139,000
Other assets 0 0 0
Total assets 216,529 +4,926 221,455

Mortgage 72,404 -337 72,067
Other debt 13,857 + 544 14,401
Total debt 86,261 + 207 86,468
Change
Cash 15,770 +9,133 24,903
Investments 2,302 +12,354 14,656
Retirement acc 29,699 +13,197 42,896
Real estate 143,000 -4,000 139,000
Other assets 0 0 0
Total assets 190,771 +30,684 221,455

Mortgage 74,935 -2,868 72,067
Other debt 9,906 + 4,495 14,401
Total debt 84,841 + 1,627 86,468
Change
Cash 83 +24,820 24,903
Investments 0 +14,656 14,656
Retirement acc 0 +42,896 42,896
Real estate 0 + 139,000 139,000
Other assets 0 0 0
Total assets 83 +221,372 221,455

Mortgage 0 72,067 72,067
Other debt 0 + 14,401 14,401
Total debt 0 + 86,468 86,468

I am now 6.5% on my way to achive my FIRE target of GBP 1,260,000. This is 0.5 percentage points closer, compared to the last net worth update.

GBP 82,455 FIRE target: GBP 1,260,000


6.5%

FI portfolio

My FI portfolio now consists of GBP 14,656 (17.8%) in investments, GBP 42,896 (52.0%) in retirement accounts, and GBP 24,903 (30.2%) in cash.

Investments

Since my last update, my investments increased with GBP 1,025 (7.52%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 3,338 (8.44%).




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

If I quit working today, my monthly pay out would be GBP 274 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
274/month
(4.0% SWR)
240/month
(3.5% SWR)
206/month
(3.0% SWR)


When can I retire?

FI date

My age

43

I am currently aiming to save/invest approximately GBP 2,600 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,260,000 in 15 years and 8 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another GBP 535,600, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 641,945


Financial independence forecast