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Net worth update per


This is cybernaut's #63 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,116,450 and my FI portfolio increased to GBP 792,000


Net worth

GBP 1,116,450

Since the last update on my net worth has increased with GBP 28,970 (+ 2.66 %).

FI portfolio

GBP 792,000

Since the last update on my FI portfolio has increased with GBP 28,400 (+ 3.72 %).

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 30,700 +200 30,900
Investments 239,600 +7,100 246,700
Retirement acc 493,300 +21,100 514,400
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,103,600 +28,400 1,132,000

Mortgage 10,450 -280 10,170
Other debt 5,670 -290 5,380
Total debt 16,120 -570 15,550
Change
Cash 20,000 +10,900 30,900
Investments 235,600 +11,100 246,700
Retirement acc 430,700 +83,700 514,400
Real estate 320,000 + 20,000 340,000
Other assets 0 0 0
Total assets 1,006,300 +125,700 1,132,000

Mortgage 13,160 -2,990 10,170
Other debt 8,650 -3,270 5,380
Total debt 21,810 -6,260 15,550
Change
Cash 6,000 +24,900 30,900
Investments 89,000 +157,700 246,700
Retirement acc 283,000 +231,400 514,400
Real estate 280,000 + 60,000 340,000
Other assets 0 0 0
Total assets 658,000 +474,000 1,132,000

Mortgage 27,000 -16,830 10,170
Other debt 0 + 5,380 5,380
Total debt 27,000 -11,450 15,550

I am now 63.4% on my way to achive my FIRE target of GBP 1,250,000. This is 2.3 percentage points closer, compared to the last net worth update.

GBP 792,000 FIRE target: GBP 1,250,000


63.4%

FI portfolio

My FI portfolio now consists of GBP 246,700 (31.1%) in investments, GBP 514,400 (64.9%) in retirement accounts, and GBP 30,900 (3.9%) in cash.

Investments

Since my last update, my investments increased with GBP 7,100 (2.96%), 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 21,100 (4.28%), 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 2,640 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,640/month
(4.0% SWR)
2,310/month
(3.5% SWR)
1,980/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 10 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 138,800, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 319,200


Financial independence forecast