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Net worth update per


This is awedPonie3's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 548,785 and my FI portfolio increased to GBP 497,864


Net worth

GBP 548,785

Since the last update on my net worth has increased with GBP 25,826 (+ 4.94 %).

FI portfolio

GBP 497,864

Since the last update on my FI portfolio has increased with GBP 24,970 (+ 5.28 %).

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 14,942 +644 15,586
Investments 214,145 +1,982 216,127
Retirement acc 243,807 +22,344 266,151
Real estate 357,893 0 357,893
Other assets 17,000 0 17,000
Total assets 847,787 +24,970 872,757

Mortgage 239,782 -312 239,470
Other debt 85,046 -544 84,502
Total debt 324,828 -856 323,972
Change
Cash 9,749 +5,837 15,586
Investments 211,614 +4,513 216,127
Retirement acc 236,422 +29,729 266,151
Real estate 347,017 + 10,876 357,893
Other assets 17,000 0 17,000
Total assets 821,802 +50,955 872,757

Mortgage 240,278 -808 239,470
Other debt 83,860 + 642 84,502
Total debt 324,138 + -166 323,972
Change
Cash 19,186 -3,600 15,586
Investments 45,559 +170,568 216,127
Retirement acc 186,304 +79,847 266,151
Real estate 505,000 -147,107 357,893
Other assets 17,780 -780 17,000
Total assets 773,829 +98,928 872,757

Mortgage 332,319 -92,849 239,470
Other debt 4,000 + 80,502 84,502
Total debt 336,319 -12,347 323,972

I am now 45.3% on my way to achive my FIRE target of GBP 1,100,000. This is 2.3 percentage points closer, compared to the last net worth update.

GBP 497,864 FIRE target: GBP 1,100,000


45.3%

FI portfolio

My FI portfolio now consists of GBP 216,127 (43.4%) in investments, GBP 266,151 (53.5%) in retirement accounts, and GBP 15,586 (3.1%) in cash.

Investments

Since my last update, my investments increased with GBP 1,982 (0.93%), 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 22,344 (9.16%), 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 1,659 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,659/month
(4.0% SWR)
1,452/month
(3.5% SWR)
1,244/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 6 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 273,624, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 328,512


Financial independence forecast