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Net worth update per


This is chinook's #63 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 809,674 and my FI portfolio increased to GBP 779,674


Net worth

GBP 809,674

Since the last update on my net worth has increased with GBP 17,974 (+ 2.27 %).

FI portfolio

GBP 779,674

Since the last update on my FI portfolio has increased with GBP 18,842 (+ 2.48 %).

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 134,614 -6,464 128,150
Investments 163,083 +4,947 168,030
Retirement acc 463,135 +20,359 483,494
Real estate 0 0 0
Other assets 30,868 -868 30,000
Total assets 791,700 +17,974 809,674

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 120,653 +7,497 128,150
Investments 154,413 +13,617 168,030
Retirement acc 425,639 +57,855 483,494
Real estate 0 0 0
Other assets 18,451 + 11,549 30,000
Total assets 719,156 +90,518 809,674

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100,000 +28,150 128,150
Investments 20,000 +148,030 168,030
Retirement acc 52,800 +430,694 483,494
Real estate 0 0 0
Other assets 0 + 30,000 30,000
Total assets 172,800 +636,874 809,674

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

I am now 78.0% on my way to achive my FIRE target of GBP 1,000,000. This is 1.9 percentage points closer, compared to the last net worth update.

GBP 779,674 FIRE target: GBP 1,000,000


78.0%

FI portfolio

My FI portfolio now consists of GBP 168,030 (21.6%) in investments, GBP 483,494 (62.0%) in retirement accounts, and GBP 128,150 (16.4%) in cash.

Investments

Since my last update, my investments increased with GBP 4,947 (3.03%).

Since I started tracking, my total contributions have been GBP 136,136, and my total return has been GBP 11,894.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 20,359 (4.4%), of which GBP 6,316 was from contributions , and GBP 14,043 was from returns.

Since I started tracking, my total contributions have been GBP 286,487, and my total return is GBP 144,207.




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

If I quit working today, my monthly pay out would be GBP 2,598 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,598/month
(4.0% SWR)
2,274/month
(3.5% SWR)
1,949/month
(3.0% SWR)


When can I retire?

FI date

My age

50

I am currently aiming to save/invest approximately GBP 5,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 2 years and 0 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 125,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 95,326


Financial independence forecast