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Net worth update per


This is cybernaut's #59 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,080,850 and my FI portfolio increased to GBP 758,700


Net worth

GBP 1,080,850

Since the last update on my net worth has increased with GBP 3,050 (+ 0.28 %).

FI portfolio

GBP 758,700

Since the last update on my FI portfolio has increased with GBP 2,500 (+ 0.33 %).

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 28,000 0 28,000
Investments 246,700 +1,100 247,800
Retirement acc 481,500 +1,400 482,900
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,096,200 +2,500 1,098,700

Mortgage 11,540 -260 11,280
Other debt 6,860 -290 6,570
Total debt 18,400 -550 17,850
Change
Cash 20,000 +8,000 28,000
Investments 235,600 +12,200 247,800
Retirement acc 430,700 +52,200 482,900
Real estate 320,000 + 20,000 340,000
Other assets 0 0 0
Total assets 1,006,300 +92,400 1,098,700

Mortgage 13,160 -1,880 11,280
Other debt 8,650 -2,080 6,570
Total debt 21,810 -3,960 17,850
Change
Cash 6,000 +22,000 28,000
Investments 89,000 +158,800 247,800
Retirement acc 283,000 +199,900 482,900
Real estate 280,000 + 60,000 340,000
Other assets 0 0 0
Total assets 658,000 +440,700 1,098,700

Mortgage 27,000 -15,720 11,280
Other debt 0 + 6,570 6,570
Total debt 27,000 -9,150 17,850

I am now 60.7% on my way to achive my FIRE target of GBP 1,250,000. This is 0.2 percentage points closer, compared to the last net worth update.

GBP 758,700 FIRE target: GBP 1,250,000


60.7%

FI portfolio

My FI portfolio now consists of GBP 247,800 (32.7%) in investments, GBP 482,900 (63.6%) in retirement accounts, and GBP 28,000 (3.7%) in cash.

Investments

Since my last update, my investments increased with GBP 1,100 (0.45%), 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 1,400 (0.29%), 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 2,529 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,529/month
(4.0% SWR)
2,212/month
(3.5% SWR)
1,896/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 149,210, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 342,090


Financial independence forecast