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Net worth update per


This is _o_'s #134 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 199,613 and my FI portfolio decreased to GBP 112,006


Net worth

GBP 199,613

Since the last update on my net worth has decreased with GBP -949 ( -0.47 %).

FI portfolio

GBP 112,006

Since the last update on my FI portfolio has decreased with GBP -16,636 ( -12.93 %).

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 36,229 -17,022 19,207
Investments 4,399 -1,038 3,361
Retirement acc 88,014 +1,424 89,438
Real estate 137,000 -3,000 134,000
Other assets 0 0 0
Total assets 265,642 -19,636 246,006

Mortgage 55,397 -19,221 36,176
Other debt 9,683 + 534 10,217
Total debt 65,080 + -18,687 46,393
Change
Cash 34,072 -14,865 19,207
Investments 3,967 -606 3,361
Retirement acc 83,445 +5,993 89,438
Real estate 136,000 -2,000 134,000
Other assets 0 0 0
Total assets 257,484 -11,478 246,006

Mortgage 55,619 -19,443 36,176
Other debt 8,407 + 1,810 10,217
Total debt 64,026 + -17,633 46,393
Change
Cash 83 +19,124 19,207
Investments 0 +3,361 3,361
Retirement acc 0 +89,438 89,438
Real estate 0 + 134,000 134,000
Other assets 0 0 0
Total assets 83 +245,923 246,006

Mortgage 0 36,176 36,176
Other debt 0 + 10,217 10,217
Total debt 0 + 46,393 46,393

I am now 8.9% on my way to achive my FIRE target of GBP 1,260,000. This is -1.3 percentage points closer, compared to the last net worth update.

GBP 112,006 FIRE target: GBP 1,260,000


8.9%

FI portfolio

My FI portfolio now consists of GBP 3,361 (3.0%) in investments, GBP 89,438 (79.9%) in retirement accounts, and GBP 19,207 (17.1%) in cash.

Investments

Since my last update, my investments decreased with GBP -1,038 (-23.6%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,424 (1.62%).




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

If I quit working today, my monthly pay out would be GBP 373 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
373/month
(4.0% SWR)
326/month
(3.5% SWR)
280/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately GBP 2,600 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,260,000 in 16 years and 0 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another GBP 507,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 640,994


Financial independence forecast