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Net worth update per


This is crazy's #14 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,177,500 and my FI portfolio increased to GBP 985,300


Net worth

GBP 1,177,500

Since the last update on my net worth has increased with GBP 114,000 (+ 10.72 %).

FI portfolio

GBP 985,300

Since the last update on my FI portfolio has increased with GBP 114,800 (+ 13.19 %).

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 457,500 +23,800 481,300
Investments 188,000 +87,000 275,000
Retirement acc 225,000 +4,000 229,000
Real estate 237,500 0 237,500
Other assets 40,000 -2,000 38,000
Total assets 1,148,000 +112,800 1,260,800

Mortgage 84,500 -1,200 83,300
Other debt 0 0 0
Total debt 84,500 -1,200 83,300
Change
Cash 453,000 +28,300 481,300
Investments 172,000 +103,000 275,000
Retirement acc 195,000 +34,000 229,000
Real estate 237,500 0 237,500
Other assets 44,000 -6,000 38,000
Total assets 1,101,500 +159,300 1,260,800

Mortgage 85,100 -1,800 83,300
Other debt 0 0 0
Total debt 85,100 -1,800 83,300
Change
Cash 70,000 +411,300 481,300
Investments 0 +275,000 275,000
Retirement acc 4,000 +225,000 229,000
Real estate 161,250 + 76,250 237,500
Other assets 0 + 38,000 38,000
Total assets 235,250 +1,025,550 1,260,800

Mortgage 137,250 -53,950 83,300
Other debt 0 0 0
Total debt 137,250 -53,950 83,300

I am now 52.2% on my way to achive my FIRE target of GBP 1,888,888. This is 6.1 percentage points closer, compared to the last net worth update.

GBP 985,300 FIRE target: GBP 1,888,888


52.2%

FI portfolio

My FI portfolio now consists of GBP 275,000 (27.9%) in investments, GBP 229,000 (23.2%) in retirement accounts, and GBP 481,300 (48.8%) in cash.

Investments

Since my last update, my investments increased with GBP 87,000 (46.28%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,000 (1.78%).




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

If I quit working today, my monthly pay out would be GBP 3,284 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
3,284/month
(4.0% SWR)
2,873/month
(3.5% SWR)
2,463/month
(3.0% SWR)


When can I retire?

FI date

My age

39

I am currently aiming to save/invest approximately GBP 2,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,888,888 in 9 years and 11 months, in , and at that time I will be 39 years old.

By that time I will have invested/saved another GBP 325,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 578,588


Financial independence forecast