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Net worth update per


This is Cloudstrife's #18 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 345,341 and my FI portfolio increased to GBP 153,391


Net worth

GBP 345,341

Since the last update on my net worth has increased with GBP 41,875 (+ 13.8 %).

FI portfolio

GBP 153,391

Since the last update on my FI portfolio has increased with GBP 5,540 (+ 3.75 %).

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 59,664 -16,814 42,850
Investments 38,605 +8,341 46,946
Retirement acc 49,582 +14,013 63,595
Real estate 216,000 + 10,350 226,350
Other assets 0 + 19,500 19,500
Total assets 363,851 +35,390 399,241

Mortgage 60,385 -14,885 45,500
Other debt 0 + 8,400 8,400
Total debt 60,385 + -6,485 53,900
Change
Cash 59,664 -16,814 42,850
Investments 38,605 +8,341 46,946
Retirement acc 49,582 +14,013 63,595
Real estate 216,000 + 10,350 226,350
Other assets 0 + 19,500 19,500
Total assets 363,851 +35,390 399,241

Mortgage 60,385 -14,885 45,500
Other debt 0 + 8,400 8,400
Total debt 60,385 + -6,485 53,900
Change
Cash 3,966 +38,884 42,850
Investments 200 +46,746 46,946
Retirement acc 15,189 +48,406 63,595
Real estate 147,000 + 79,350 226,350
Other assets 0 + 19,500 19,500
Total assets 166,355 +232,886 399,241

Mortgage 126,460 -80,960 45,500
Other debt 0 + 8,400 8,400
Total debt 126,460 -72,560 53,900

I am now 15.3% on my way to achive my FIRE target of GBP 1,000,000. This is 0.6 percentage points closer, compared to the last net worth update.

GBP 153,391 FIRE target: GBP 1,000,000


15.3%

FI portfolio

My FI portfolio now consists of GBP 46,946 (30.6%) in investments, GBP 63,595 (41.5%) in retirement accounts, and GBP 42,850 (27.9%) in cash.

Investments

Since my last update, my investments increased with GBP 8,341 (21.61%), of which GBP 6,250 was from contributions, and GBP 11,207 was from returns.

Since I started tracking, my total contributions have been GBP 47,500, and my total return has been GBP 16,703.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 14,013 (28.26%), of which GBP 15,605 was from contributions , and GBP 13,764 was from returns.

Since I started tracking, my total contributions have been GBP 55,595, and my total return is GBP 22,180.




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

If I quit working today, my monthly pay out would be GBP 511 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
511/month
(4.0% SWR)
447/month
(3.5% SWR)
383/month
(3.0% SWR)


When can I retire?

FI date

My age

58

I am currently aiming to save/invest approximately GBP 1,842 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 17 years and 0 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 405,240, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 441,369


Financial independence forecast