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Net worth update per


This is cybernaut's #52 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 984,490 and my FI portfolio increased to GBP 686,300


Net worth

GBP 984,490

Since the last update on my net worth has increased with GBP 41,233 (+ 4.37 %).

FI portfolio

GBP 686,300

Since the last update on my FI portfolio has increased with GBP 40,665 (+ 6.3 %).

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 20,000 0 20,000
Investments 222,597 +13,003 235,600
Retirement acc 403,038 +27,662 430,700
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 965,635 +40,665 1,006,300

Mortgage 13,426 -266 13,160
Other debt 8,952 -302 8,650
Total debt 22,378 -568 21,810
Change
Cash 6,000 +14,000 20,000
Investments 148,800 +86,800 235,600
Retirement acc 381,700 +49,000 430,700
Real estate 300,000 + 20,000 320,000
Other assets 0 0 0
Total assets 836,500 +169,800 1,006,300

Mortgage 16,320 -3,160 13,160
Other debt 0 + 8,650 8,650
Total debt 16,320 + 5,490 21,810
Change
Cash 6,000 +14,000 20,000
Investments 89,000 +146,600 235,600
Retirement acc 283,000 +147,700 430,700
Real estate 280,000 + 40,000 320,000
Other assets 0 0 0
Total assets 658,000 +348,300 1,006,300

Mortgage 27,000 -13,840 13,160
Other debt 0 + 8,650 8,650
Total debt 27,000 -5,190 21,810

I am now 54.9% on my way to achive my FIRE target of GBP 1,250,000. This is 3.3 percentage points closer, compared to the last net worth update.

GBP 686,300 FIRE target: GBP 1,250,000


54.9%

FI portfolio

My FI portfolio now consists of GBP 235,600 (34.3%) in investments, GBP 430,700 (62.8%) in retirement accounts, and GBP 20,000 (2.9%) in cash.

Investments

Since my last update, my investments increased with GBP 13,003 (5.84%), of which GBP 100 was from contributions, and GBP -6,500 was from returns.

Since I started tracking, my total contributions have been GBP 140,800, and my total return has been GBP 9,200.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 27,662 (6.86%), of which GBP 3,477 was from contributions , and GBP -13,377 was from returns.

Since I started tracking, my total contributions have been GBP 120,188, and my total return is GBP 90,212.




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

If I quit working today, my monthly pay out would be GBP 2,287 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,287/month
(4.0% SWR)
2,001/month
(3.5% SWR)
1,715/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,250,000 in 2 years and 10 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 176,970, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 386,730


Financial independence forecast