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Net worth update per


This is awedPonie3's #26 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 562,081 and my FI portfolio decreased to GBP 507,494


Net worth

GBP 562,081

Since the last update on my net worth has increased with GBP 2 (+ 0.0 %).

FI portfolio

GBP 507,494

Since the last update on my FI portfolio has decreased with GBP -2,000 ( -0.39 %).

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 10,848 -207 10,641
Investments 209,728 -8,620 201,108
Retirement acc 288,918 +6,827 295,745
Real estate 350,972 + 1,473 352,445
Other assets 17,000 0 17,000
Total assets 877,466 -527 876,939

Mortgage 238,302 -306 237,996
Other debt 77,085 -223 76,862
Total debt 315,387 -529 314,858
Change
Cash 9,749 +892 10,641
Investments 211,614 -10,506 201,108
Retirement acc 236,422 +59,323 295,745
Real estate 347,017 + 5,428 352,445
Other assets 17,000 0 17,000
Total assets 821,802 +55,137 876,939

Mortgage 240,278 -2,282 237,996
Other debt 83,860 -6,998 76,862
Total debt 324,138 -9,280 314,858
Change
Cash 19,186 -8,545 10,641
Investments 45,559 +155,549 201,108
Retirement acc 186,304 +109,441 295,745
Real estate 505,000 -152,555 352,445
Other assets 17,780 -780 17,000
Total assets 773,829 +103,110 876,939

Mortgage 332,319 -94,323 237,996
Other debt 4,000 + 72,862 76,862
Total debt 336,319 -21,461 314,858

I am now 46.1% 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 507,494 FIRE target: GBP 1,100,000


46.1%

FI portfolio

My FI portfolio now consists of GBP 201,108 (39.6%) in investments, GBP 295,745 (58.3%) in retirement accounts, and GBP 10,641 (2.1%) in cash.

Investments

Since my last update, my investments decreased with GBP -8,620 (-4.11%).

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 6,827 (2.36%), 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 1,691 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,691/month
(4.0% SWR)
1,480/month
(3.5% SWR)
1,268/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 4 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another GBP 246,701, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 345,805


Financial independence forecast