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Net worth update per


This is imjared's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 47,920 and my FI portfolio increased to GBP 47,920


Net worth

GBP 47,920

Since the last update on my net worth has increased with GBP 5,612 (+ 13.26 %).

FI portfolio

GBP 47,920

Since the last update on my FI portfolio has increased with GBP 5,612 (+ 13.26 %).

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 6,582 +1,522 8,104
Investments 18,629 +2,818 21,447
Retirement acc 17,097 +1,272 18,369
Real estate 0 0 0
Other assets 0 0 0
Total assets 42,308 +5,612 47,920

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 5,194 +2,910 8,104
Investments 18,804 +2,643 21,447
Retirement acc 16,635 +1,734 18,369
Real estate 0 0 0
Other assets 0 0 0
Total assets 40,633 +7,287 47,920

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 4,211 +3,893 8,104
Investments 11,352 +10,095 21,447
Retirement acc 7,392 +10,977 18,369
Real estate 0 0 0
Other assets 0 0 0
Total assets 22,955 +24,965 47,920

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 9.6% on my way to achive my FIRE target of GBP 500,000. This is 1.1 percentage points closer, compared to the last net worth update.

GBP 47,920 FIRE target: GBP 500,000


9.6%

FI portfolio

My FI portfolio now consists of GBP 21,447 (44.8%) in investments, GBP 18,369 (38.3%) in retirement accounts, and GBP 8,104 (16.9%) in cash.

Investments

Since my last update, my investments increased with GBP 2,818 (15.13%), of which GBP 3,800 was from contributions, and GBP -217 was from returns.

Since I started tracking, my total contributions have been GBP 12,406, and my total return has been GBP 3,033.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,272 (7.44%), of which GBP 1,211 was from contributions , and GBP -348 was from returns.

Since I started tracking, my total contributions have been GBP 10,099, and my total return is GBP 2,684.




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

If I quit working today, my monthly pay out would be GBP 159 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
159/month
(4.0% SWR)
139/month
(3.5% SWR)
119/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately GBP 2,100 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 500,000 in 10 years and 7 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another GBP 273,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 179,080


Financial independence forecast