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Net worth update per


This is cybernaut's #58 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,077,800 and my FI portfolio increased to GBP 756,200


Net worth

GBP 1,077,800

Since the last update on my net worth has increased with GBP 14,880 (+ 1.4 %).

FI portfolio

GBP 756,200

Since the last update on my FI portfolio has increased with GBP 14,300 (+ 1.93 %).

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 +8,000 28,000
Investments 247,800 -1,100 246,700
Retirement acc 474,100 +7,400 481,500
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,081,900 +14,300 1,096,200

Mortgage 11,820 -280 11,540
Other debt 7,160 -300 6,860
Total debt 18,980 -580 18,400
Change
Cash 20,000 +8,000 28,000
Investments 235,600 +11,100 246,700
Retirement acc 430,700 +50,800 481,500
Real estate 320,000 + 20,000 340,000
Other assets 0 0 0
Total assets 1,006,300 +89,900 1,096,200

Mortgage 13,160 -1,620 11,540
Other debt 8,650 -1,790 6,860
Total debt 21,810 -3,410 18,400
Change
Cash 6,000 +22,000 28,000
Investments 89,000 +157,700 246,700
Retirement acc 283,000 +198,500 481,500
Real estate 280,000 + 60,000 340,000
Other assets 0 0 0
Total assets 658,000 +438,200 1,096,200

Mortgage 27,000 -15,460 11,540
Other debt 0 + 6,860 6,860
Total debt 27,000 -8,600 18,400

I am now 43.2% on my way to achive my FIRE target of GBP 1,750,000. This is 0.8 percentage points closer, compared to the last net worth update.

GBP 756,200 FIRE target: GBP 1,750,000


43.2%

FI portfolio

My FI portfolio now consists of GBP 246,700 (32.6%) in investments, GBP 481,500 (63.7%) in retirement accounts, and GBP 28,000 (3.7%) in cash.

Investments

Since my last update, my investments decreased with GBP -1,100 (-0.44%), of which GBP 100 was from contributions, and GBP 6,470 was from returns.

Since I started tracking, my total contributions have been GBP 141,300, and my total return has been GBP 37,960.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 7,400 (1.56%), of which GBP 3,477 was from contributions , and GBP 13,123 was from returns.

Since I started tracking, my total contributions have been GBP 137,573, and my total return is GBP 159,027.




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

If I quit working today, my monthly pay out would be GBP 2,520 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,520/month
(4.0% SWR)
2,205/month
(3.5% SWR)
1,890/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 11 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another GBP 260,250, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 733,550


Financial independence forecast