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Net worth update per


This is awedPonie3's #33 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 587,958 and my FI portfolio increased to GBP 529,861


Net worth

GBP 587,958

Since the last update on my net worth has increased with GBP 11,947 (+ 2.07 %).

FI portfolio

GBP 529,861

Since the last update on my FI portfolio has increased with GBP 11,384 (+ 2.2 %).

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 9,710 +426 10,136
Investments 176,798 +9,683 186,481
Retirement acc 331,969 +1,275 333,244
Real estate 352,445 0 352,445
Other assets 17,000 0 17,000
Total assets 887,922 +11,384 899,306

Mortgage 236,568 -273 236,295
Other debt 75,343 -290 75,053
Total debt 311,911 -563 311,348
Change
Cash 9,710 +426 10,136
Investments 176,562 +9,919 186,481
Retirement acc 322,711 +10,533 333,244
Real estate 352,445 0 352,445
Other assets 17,000 0 17,000
Total assets 878,428 +20,878 899,306

Mortgage 236,881 -586 236,295
Other debt 75,142 -89 75,053
Total debt 312,023 -675 311,348
Change
Cash 19,186 -9,050 10,136
Investments 45,559 +140,922 186,481
Retirement acc 186,304 +146,940 333,244
Real estate 505,000 -152,555 352,445
Other assets 17,780 -780 17,000
Total assets 773,829 +125,477 899,306

Mortgage 332,319 -96,024 236,295
Other debt 4,000 + 71,053 75,053
Total debt 336,319 -24,971 311,348

I am now 48.2% on my way to achive my FIRE target of GBP 1,100,000. This is 1.0 percentage points closer, compared to the last net worth update.

GBP 529,861 FIRE target: GBP 1,100,000


48.2%

FI portfolio

My FI portfolio now consists of GBP 186,481 (35.2%) in investments, GBP 333,244 (62.9%) in retirement accounts, and GBP 10,136 (1.9%) in cash.

Investments

Since my last update, my investments increased with GBP 9,683 (5.48%).

Since I started tracking, my total contributions have been GBP 10,793, and my total return has been GBP 127,745.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,275 (0.38%).

Since I started tracking, my total contributions have been GBP 65,159, and my total return is GBP 52,904.




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

If I quit working today, my monthly pay out would be GBP 1,766 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,766/month
(4.0% SWR)
1,545/month
(3.5% SWR)
1,324/month
(3.0% SWR)


When can I retire?

FI date

My age

46

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 6 years and 11 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another GBP 233,146, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 336,993


Financial independence forecast