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Net worth update per


This is cybernaut's #55 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,026,580 and my FI portfolio increased to GBP 726,700


Net worth

GBP 1,026,580

Since the last update on my net worth has increased with GBP 21,860 (+ 2.18 %).

FI portfolio

GBP 726,700

Since the last update on my FI portfolio has increased with GBP 21,300 (+ 3.02 %).

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 20,000 0 20,000
Investments 236,800 +5,100 241,900
Retirement acc 448,600 +16,200 464,800
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 1,025,400 +21,300 1,046,700

Mortgage 12,620 -260 12,360
Other debt 8,060 -300 7,760
Total debt 20,680 -560 20,120
Change
Cash 20,000 0 20,000
Investments 235,600 +6,300 241,900
Retirement acc 430,700 +34,100 464,800
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 1,006,300 +40,400 1,046,700

Mortgage 13,160 -800 12,360
Other debt 8,650 -890 7,760
Total debt 21,810 -1,690 20,120
Change
Cash 6,000 +14,000 20,000
Investments 89,000 +152,900 241,900
Retirement acc 283,000 +181,800 464,800
Real estate 280,000 + 40,000 320,000
Other assets 0 0 0
Total assets 658,000 +388,700 1,046,700

Mortgage 27,000 -14,640 12,360
Other debt 0 + 7,760 7,760
Total debt 27,000 -6,880 20,120

I am now 41.5% on my way to achive my FIRE target of GBP 1,750,000. This is 1.2 percentage points closer, compared to the last net worth update.

GBP 726,700 FIRE target: GBP 1,750,000


41.5%

FI portfolio

My FI portfolio now consists of GBP 241,900 (33.3%) in investments, GBP 464,800 (64.0%) in retirement accounts, and GBP 20,000 (2.8%) in cash.

Investments

Since my last update, my investments increased with GBP 5,100 (2.15%), of which GBP 100 was from contributions, and GBP 5,950 was from returns.

Since I started tracking, my total contributions have been GBP 141,400, and my total return has been GBP 43,910.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 16,200 (3.61%), of which GBP 3,477 was from contributions , and GBP 15,923 was from returns.

Since I started tracking, my total contributions have been GBP 141,050, and my total return is GBP 174,950.




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

If I quit working today, my monthly pay out would be GBP 2,422 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,422/month
(4.0% SWR)
2,119/month
(3.5% SWR)
1,816/month
(3.0% SWR)


When can I retire?

FI date

My age

53

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,750,000 in 4 years and 10 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another GBP 270,660, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 752,640


Financial independence forecast