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Net worth update per


This is awedPonie3's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 552,213 and my FI portfolio decreased to GBP 500,451


Net worth

GBP 552,213

Since the last update on my net worth has increased with GBP 4,343 (+ 0.79 %).

FI portfolio

GBP 500,451

Since the last update on my FI portfolio has decreased with GBP -2,432 ( -0.48 %).

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 23,421 -10,093 13,328
Investments 207,951 +874 208,825
Retirement acc 271,511 +6,787 278,298
Real estate 348,500 + 2,472 350,972
Other assets 17,000 0 17,000
Total assets 868,383 +40 868,423

Mortgage 238,868 -303 238,565
Other debt 81,645 -4,000 77,645
Total debt 320,513 -4,303 316,210
Change
Cash 9,749 +3,579 13,328
Investments 211,614 -2,789 208,825
Retirement acc 236,422 +41,876 278,298
Real estate 347,017 + 3,955 350,972
Other assets 17,000 0 17,000
Total assets 821,802 +46,621 868,423

Mortgage 240,278 -1,713 238,565
Other debt 83,860 -6,215 77,645
Total debt 324,138 -7,928 316,210
Change
Cash 19,186 -5,858 13,328
Investments 45,559 +163,266 208,825
Retirement acc 186,304 +91,994 278,298
Real estate 505,000 -154,028 350,972
Other assets 17,780 -780 17,000
Total assets 773,829 +94,594 868,423

Mortgage 332,319 -93,754 238,565
Other debt 4,000 + 73,645 77,645
Total debt 336,319 -20,109 316,210

I am now 45.5% on my way to achive my FIRE target of GBP 1,100,000. This is -0.2 percentage points closer, compared to the last net worth update.

GBP 500,451 FIRE target: GBP 1,100,000


45.5%

FI portfolio

My FI portfolio now consists of GBP 208,825 (41.7%) in investments, GBP 278,298 (55.6%) in retirement accounts, and GBP 13,328 (2.7%) in cash.

Investments

Since my last update, my investments increased with GBP 874 (0.42%).

Since I started tracking, my total contributions have been GBP 9,438, and my total return has been GBP 121,565.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 6,787 (2.5%), of which GBP 1,355 was from contributions , and GBP 1,525 was from returns.

Since I started tracking, my total contributions have been GBP 63,804, and my total return is GBP 72,603.




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

If I quit working today, my monthly pay out would be GBP 1,668 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,668/month
(4.0% SWR)
1,459/month
(3.5% SWR)
1,251/month
(3.0% SWR)


When can I retire?

FI date

My age

46

I am currently aiming to save/invest approximately GBP 2,711 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,100,000 in 7 years and 1 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another GBP 249,412, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 350,137


Financial independence forecast