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Net worth update per


This is cybernaut's #57 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,062,920 and my FI portfolio increased to GBP 741,900


Net worth

GBP 1,062,920

Since the last update on my net worth has increased with GBP 34,170 (+ 3.32 %).

FI portfolio

GBP 741,900

Since the last update on my FI portfolio has increased with GBP 13,600 (+ 1.87 %).

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 243,100 +4,700 247,800
Retirement acc 465,200 +8,900 474,100
Real estate 320,000 + 20,000 340,000
Other assets 0 0 0
Total assets 1,048,300 +33,600 1,081,900

Mortgage 12,090 -270 11,820
Other debt 7,460 -300 7,160
Total debt 19,550 -570 18,980
Change
Cash 20,000 0 20,000
Investments 235,600 +12,200 247,800
Retirement acc 430,700 +43,400 474,100
Real estate 320,000 + 20,000 340,000
Other assets 0 0 0
Total assets 1,006,300 +75,600 1,081,900

Mortgage 13,160 -1,340 11,820
Other debt 8,650 -1,490 7,160
Total debt 21,810 -2,830 18,980
Change
Cash 6,000 +14,000 20,000
Investments 89,000 +158,800 247,800
Retirement acc 283,000 +191,100 474,100
Real estate 280,000 + 60,000 340,000
Other assets 0 0 0
Total assets 658,000 +423,900 1,081,900

Mortgage 27,000 -15,180 11,820
Other debt 0 + 7,160 7,160
Total debt 27,000 -8,020 18,980

I am now 59.4% on my way to achive my FIRE target of GBP 1,250,000. This is 1.1 percentage points closer, compared to the last net worth update.

GBP 741,900 FIRE target: GBP 1,250,000


59.4%

FI portfolio

My FI portfolio now consists of GBP 247,800 (33.4%) in investments, GBP 474,100 (63.9%) in retirement accounts, and GBP 20,000 (2.7%) in cash.

Investments

Since my last update, my investments increased with GBP 4,700 (1.93%), of which GBP 100 was from contributions, and GBP -6,500 was from returns.

Since I started tracking, my total contributions have been GBP 140,800, and my total return has been GBP 9,200.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 8,900 (1.91%), of which GBP 3,477 was from contributions , and GBP -13,377 was from returns.

Since I started tracking, my total contributions have been GBP 120,188, and my total return is GBP 90,212.




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

If I quit working today, my monthly pay out would be GBP 2,473 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,473/month
(4.0% SWR)
2,163/month
(3.5% SWR)
1,854/month
(3.0% SWR)


When can I retire?

FI date

My age

51

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 1,250,000 in 2 years and 9 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 156,150, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 351,950


Financial independence forecast