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Net worth update per


This is TwentyTurtles's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 712,814 and my FI portfolio increased to GBP 798,296


Net worth

GBP 712,814

Since the last update on my net worth has increased with GBP 358,814 (+ 101.36 %).

FI portfolio

GBP 798,296

Since the last update on my FI portfolio has increased with GBP 362,296 (+ 83.1 %).

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 48,000 +2,459 50,459
Investments 278,000 +225,318 503,318
Retirement acc 110,000 +134,519 244,519
Real estate 346,000 -24,292 321,708
Other assets 5,000 -197 4,803
Total assets 787,000 +337,807 1,124,807

Mortgage 433,000 -21,007 411,993
Other debt 0 0 0
Total debt 433,000 -21,007 411,993
Change
Cash 48,000 +2,459 50,459
Investments 278,000 +225,318 503,318
Retirement acc 110,000 +134,519 244,519
Real estate 346,000 -24,292 321,708
Other assets 5,000 -197 4,803
Total assets 787,000 +337,807 1,124,807

Mortgage 433,000 -21,007 411,993
Other debt 0 0 0
Total debt 433,000 -21,007 411,993
Change
Cash 97,966 -47,507 50,459
Investments 330,217 +173,101 503,318
Retirement acc 65,100 +179,419 244,519
Real estate 0 + 321,708 321,708
Other assets 0 + 4,803 4,803
Total assets 493,283 +631,524 1,124,807

Mortgage 0 411,993 411,993
Other debt 0 0 0
Total debt 0 + 411,993 411,993

I am now 57.0% on my way to achive my FIRE target of GBP 1,400,000. This is 25.9 percentage points closer, compared to the last net worth update.

GBP 798,296 FIRE target: GBP 1,400,000


57.0%

FI portfolio

My FI portfolio now consists of GBP 503,318 (63.0%) in investments, GBP 244,519 (30.6%) in retirement accounts, and GBP 50,459 (6.3%) in cash.

Investments

Since my last update, my investments increased with GBP 225,318 (81.05%), of which GBP 60,083 was from contributions, and GBP 165,235 was from returns.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 134,519 (122.29%), of which GBP 39,390 was from contributions , and GBP 95,129 was from returns.

Since I started tracking, my total contributions have been GBP 68,824, and my total return is GBP 110,595.




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

If I quit working today, my monthly pay out would be GBP 2,660 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,660/month
(4.0% SWR)
2,328/month
(3.5% SWR)
1,995/month
(3.0% SWR)


When can I retire?

FI date

My age

40

I am currently aiming to save/invest approximately GBP 3,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,400,000 in 5 years and 3 months, in , and at that time I will be 40 years old.

By that time I will have invested/saved another GBP 201,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 400,704


Financial independence forecast