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Net worth update per


This is theflairbunny's #60 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 431,418 and my FI portfolio increased to GBP 431,418


Net worth

GBP 431,418

Since the last update on my net worth has increased with GBP 12,402 (+ 2.96 %).

FI portfolio

GBP 431,418

Since the last update on my FI portfolio has increased with GBP 12,402 (+ 2.96 %).

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 14,617 -1,899 12,718
Investments 294,370 +10,957 305,327
Retirement acc 110,029 +3,344 113,373
Real estate 0 0 0
Other assets 0 0 0
Total assets 419,016 +12,402 431,418

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 24,289 -11,571 12,718
Investments 279,256 +26,071 305,327
Retirement acc 105,526 +7,847 113,373
Real estate 0 0 0
Other assets 0 0 0
Total assets 409,071 +22,347 431,418

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 2,082 +10,636 12,718
Investments 3,137 +302,190 305,327
Retirement acc 7,160 +106,213 113,373
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +419,039 431,418

Mortgage 0 0 0
Other debt 15,575 -15,575 0
Total debt 15,575 -15,575 0

I am now 71.9% on my way to achive my FIRE target of GBP 600,000. This is 2.1 percentage points closer, compared to the last net worth update.

GBP 431,418 FIRE target: GBP 600,000


71.9%

FI portfolio

My FI portfolio now consists of GBP 305,327 (70.8%) in investments, GBP 113,373 (26.3%) in retirement accounts, and GBP 12,718 (2.9%) in cash.

Investments

Since my last update, my investments increased with GBP 10,957 (3.72%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 3,344 (3.04%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 1,438 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,438/month
(4.0% SWR)
1,258/month
(3.5% SWR)
1,078/month
(3.0% SWR)


When can I retire?

FI date

My age

34

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 4 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 114,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 54,582


Financial independence forecast