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Net worth update per


This is TheShidoshi's #14 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 446,499 and my FI portfolio increased to GBP 466,211


Net worth

GBP 446,499

Since the last update on my net worth has increased with GBP 27,928 (+ 6.67 %).

FI portfolio

GBP 466,211

Since the last update on my FI portfolio has increased with GBP 27,928 (+ 6.37 %).

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 61,880 -49 61,831
Investments 189,201 +19,776 208,977
Retirement acc 187,202 +8,201 195,403
Real estate 0 0 0
Other assets 0 0 0
Total assets 438,283 +27,928 466,211

Mortgage 0 0 0
Other debt 19,712 0 19,712
Total debt 19,712 0 19,712
Change
Cash 61,880 -49 61,831
Investments 189,201 +19,776 208,977
Retirement acc 187,202 +8,201 195,403
Real estate 0 0 0
Other assets 0 0 0
Total assets 438,283 +27,928 466,211

Mortgage 0 0 0
Other debt 19,712 0 19,712
Total debt 19,712 0 19,712
Change
Cash 71,211 -9,380 61,831
Investments 57,708 +151,269 208,977
Retirement acc 36,904 +158,499 195,403
Real estate 0 0 0
Other assets 0 0 0
Total assets 165,823 +300,388 466,211

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

I am now 46.6% on my way to achive my FIRE target of GBP 1,000,000. This is 2.8 percentage points closer, compared to the last net worth update.

GBP 466,211 FIRE target: GBP 1,000,000


46.6%

FI portfolio

My FI portfolio now consists of GBP 208,977 (44.8%) in investments, GBP 195,403 (41.9%) in retirement accounts, and GBP 61,831 (13.3%) in cash.

Investments

Since my last update, my investments increased with GBP 19,776 (10.45%).

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 8,201 (4.38%).

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 1,554 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,554/month
(4.0% SWR)
1,359/month
(3.5% SWR)
1,165/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 10 years and 8 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another GBP 166,250, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 367,539


Financial independence forecast