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Net worth update per


This is TheShidoshi's #13 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 418,571 and my FI portfolio increased to GBP 438,283


Net worth

GBP 418,571

Since the last update on my net worth has increased with GBP 108,478 (+ 34.98 %).

FI portfolio

GBP 438,283

Since the last update on my FI portfolio has increased with GBP 107,568 (+ 32.53 %).

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 80,813 -18,933 61,880
Investments 138,910 +50,291 189,201
Retirement acc 110,992 +76,210 187,202
Real estate 0 0 0
Other assets 0 0 0
Total assets 330,715 +107,568 438,283

Mortgage 0 0 0
Other debt 20,622 -910 19,712
Total debt 20,622 -910 19,712
Change
Cash 80,813 -18,933 61,880
Investments 138,910 +50,291 189,201
Retirement acc 110,992 +76,210 187,202
Real estate 0 0 0
Other assets 0 0 0
Total assets 330,715 +107,568 438,283

Mortgage 0 0 0
Other debt 20,622 -910 19,712
Total debt 20,622 -910 19,712
Change
Cash 71,211 -9,331 61,880
Investments 57,708 +131,493 189,201
Retirement acc 36,904 +150,298 187,202
Real estate 0 0 0
Other assets 0 0 0
Total assets 165,823 +272,460 438,283

Mortgage 0 0 0
Other debt 0 + 19,712 19,712
Total debt 0 + 19,712 19,712

I am now 43.8% on my way to achive my FIRE target of GBP 1,000,000. This is 10.8 percentage points closer, compared to the last net worth update.

GBP 438,283 FIRE target: GBP 1,000,000


43.8%

FI portfolio

My FI portfolio now consists of GBP 189,201 (43.2%) in investments, GBP 187,202 (42.7%) in retirement accounts, and GBP 61,880 (14.1%) in cash.

Investments

Since my last update, my investments increased with GBP 50,291 (36.2%).

Since I started tracking, my total contributions have been GBP 2,265, and my total return has been GBP 149,004.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 76,210 (68.66%).

Since I started tracking, my total contributions have been GBP 2,705, and my total return is GBP 155,794.




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

If I quit working today, my monthly pay out would be GBP 1,460 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,460/month
(4.0% SWR)
1,278/month
(3.5% SWR)
1,095/month
(3.0% SWR)


When can I retire?

FI date

My age

57

I am currently aiming to save/invest approximately GBP 1,250 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 11 years and 4 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another GBP 177,500, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 384,217


Financial independence forecast