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Net worth update per


This is crazy's #12 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,016,400 and my FI portfolio increased to GBP 820,000


Net worth

GBP 1,016,400

Since the last update on my net worth has increased with GBP 81,400 (+ 8.71 %).

FI portfolio

GBP 820,000

Since the last update on my FI portfolio has increased with GBP 80,500 (+ 10.89 %).

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 450,000 +3,000 453,000
Investments 101,500 +70,500 172,000
Retirement acc 188,000 +7,000 195,000
Real estate 237,500 0 237,500
Other assets 44,000 0 44,000
Total assets 1,021,000 +80,500 1,101,500

Mortgage 86,000 -900 85,100
Other debt 0 0 0
Total debt 86,000 -900 85,100
Change
Cash 587,000 -134,000 453,000
Investments 79,000 +93,000 172,000
Retirement acc 155,000 +40,000 195,000
Real estate 219,500 + 18,000 237,500
Other assets 37,000 + 7,000 44,000
Total assets 1,077,500 +24,000 1,101,500

Mortgage 91,000 -5,900 85,100
Other debt 0 0 0
Total debt 91,000 -5,900 85,100
Change
Cash 70,000 +383,000 453,000
Investments 0 +172,000 172,000
Retirement acc 4,000 +191,000 195,000
Real estate 161,250 + 76,250 237,500
Other assets 0 + 44,000 44,000
Total assets 235,250 +866,250 1,101,500

Mortgage 137,250 -52,150 85,100
Other debt 0 0 0
Total debt 137,250 -52,150 85,100

I am now 43.4% on my way to achive my FIRE target of GBP 1,888,888. This is 4.3 percentage points closer, compared to the last net worth update.

GBP 820,000 FIRE target: GBP 1,888,888


43.4%

FI portfolio

My FI portfolio now consists of GBP 172,000 (21.0%) in investments, GBP 195,000 (23.8%) in retirement accounts, and GBP 453,000 (55.2%) in cash.

Investments

Since my last update, my investments increased with GBP 70,500 (69.46%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 7,000 (3.72%).




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

If I quit working today, my monthly pay out would be GBP 2,733 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,733/month
(4.0% SWR)
2,391/month
(3.5% SWR)
2,050/month
(3.0% SWR)


When can I retire?

FI date

My age

41

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 1 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another GBP 405,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 663,888


Financial independence forecast