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Net worth update per December 8th 2024


This is awedPonie3's #30 net worth update. Please check out my profile here for more information. As of December 8th 2024, my net worth increased to GBP 566,405 and my FI portfolio increased to GBP 508,983


Net worth

GBP 566,405

Since the last update on November 9th 2024 my net worth has increased with GBP 3,311 (+ 0.59 %).

FI portfolio

GBP 508,983

Since the last update on November 9th 2024 my FI portfolio has increased with GBP 2,753 (+ 0.54 %).

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.
9 Nov 24 Change 8 Dec 24
Cash 9,710 0 9,710
Investments 176,689 -127 176,562
Retirement acc 319,831 +2,880 322,711
Real estate 352,445 0 352,445
Other assets 17,000 0 17,000
Total assets 875,675 +2,753 878,428

Mortgage 237,152 -271 236,881
Other debt 75,429 -287 75,142
Total debt 312,581 -558 312,023
6 Dec 23 Change 8 Dec 24
Cash 9,749 -39 9,710
Investments 211,614 -35,052 176,562
Retirement acc 236,422 +86,289 322,711
Real estate 347,017 + 5,428 352,445
Other assets 17,000 0 17,000
Total assets 821,802 +56,626 878,428

Mortgage 240,278 -3,397 236,881
Other debt 83,860 -8,718 75,142
Total debt 324,138 -12,115 312,023
22 Aug 22 Change 8 Dec 24
Cash 19,186 -9,476 9,710
Investments 45,559 +131,003 176,562
Retirement acc 186,304 +136,407 322,711
Real estate 505,000 -152,555 352,445
Other assets 17,780 -780 17,000
Total assets 773,829 +104,599 878,428

Mortgage 332,319 -95,438 236,881
Other debt 4,000 + 71,142 75,142
Total debt 336,319 -24,296 312,023

I am now 46.3% on my way to achive my FIRE target of GBP 1,100,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 508,983 FIRE target: GBP 1,100,000


46.3%

FI portfolio

My FI portfolio now consists of GBP 176,562 (34.7%) in investments, GBP 322,711 (63.4%) in retirement accounts, and GBP 9,710 (1.9%) in cash.

Investments

Since my last update, my investments decreased with GBP -127 (-0.07%).

Since I started tracking, my total contributions have been GBP 10,793, and my total return has been GBP 127,220.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 2,880 (0.9%), of which GBP 1,807 was from contributions , and GBP 17,245 was from returns.

Since I started tracking, my total contributions have been GBP 66,966, and my total return is GBP 70,149.




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

If I quit working today, my monthly pay out would be GBP 1,696 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,696/month
(4.0% SWR)
1,484/month
(3.5% SWR)
1,272/month
(3.0% SWR)


When can I retire?

FI date

June 2032

My age

47

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 0 months, in June 2032, and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 243,990, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 347,027


Financial independence forecast