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Net worth update per


This is awedPonie3's #20 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 520,690 and my FI portfolio increased to GBP 469,338


Net worth

GBP 520,690

Since the last update on my net worth has increased with GBP 23,026 (+ 4.63 %).

FI portfolio

GBP 469,338

Since the last update on my FI portfolio has increased with GBP 11,553 (+ 2.52 %).

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 9,749 +130 9,879
Investments 211,614 +5,674 217,288
Retirement acc 236,422 +5,749 242,171
Real estate 347,017 + 10,876 357,893
Other assets 17,000 0 17,000
Total assets 821,802 +22,429 844,231

Mortgage 240,278 -296 239,982
Other debt 83,860 -301 83,559
Total debt 324,138 -597 323,541
Change
Cash 9,749 +130 9,879
Investments 211,614 +5,674 217,288
Retirement acc 236,422 +5,749 242,171
Real estate 347,017 + 10,876 357,893
Other assets 17,000 0 17,000
Total assets 821,802 +22,429 844,231

Mortgage 240,278 -296 239,982
Other debt 83,860 -301 83,559
Total debt 324,138 -597 323,541
Change
Cash 19,186 -9,307 9,879
Investments 45,559 +171,729 217,288
Retirement acc 186,304 +55,867 242,171
Real estate 505,000 -147,107 357,893
Other assets 17,780 -780 17,000
Total assets 773,829 +70,402 844,231

Mortgage 332,319 -92,337 239,982
Other debt 4,000 + 79,559 83,559
Total debt 336,319 -12,778 323,541

I am now 42.7% on my way to achive my FIRE target of GBP 1,100,000. This is 1.1 percentage points closer, compared to the last net worth update.

GBP 469,338 FIRE target: GBP 1,100,000


42.7%

FI portfolio

My FI portfolio now consists of GBP 217,288 (46.3%) in investments, GBP 242,171 (51.6%) in retirement accounts, and GBP 9,879 (2.1%) in cash.

Investments

Since my last update, my investments increased with GBP 5,674 (2.68%), 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 5,749 (2.43%), 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 1,564 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,564/month
(4.0% SWR)
1,368/month
(3.5% SWR)
1,173/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 10 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 289,410, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 341,252


Financial independence forecast