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Net worth update per March 31st 2025


This is cybernaut's #67 net worth update. Please check out my profile here for more information. As of March 31st 2025, my net worth decreased to GBP 1,109,473 and my FI portfolio decreased to GBP 782,700


Net worth

GBP 1,109,473

Since the last update on February 28th 2025 my net worth has decreased with GBP -23,230 ( -2.05 %).

FI portfolio

GBP 782,700

Since the last update on February 28th 2025 my FI portfolio has decreased with GBP -23,800 ( -2.95 %).

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.
28 Feb 25 Change 31 Mar 25
Cash 37,000 -3,000 34,000
Investments 250,800 -5,400 245,400
Retirement acc 518,700 -15,400 503,300
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,146,500 -23,800 1,122,700

Mortgage 9,321 -271 9,050
Other debt 4,476 -299 4,177
Total debt 13,797 -570 13,227
31 Dec 24 Change 31 Mar 25
Cash 31,100 +2,900 34,000
Investments 243,600 +1,800 245,400
Retirement acc 507,800 -4,500 503,300
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,122,500 +200 1,122,700

Mortgage 9,890 -840 9,050
Other debt 5,080 -903 4,177
Total debt 14,970 -1,743 13,227
29 Sep 19 Change 31 Mar 25
Cash 6,000 +28,000 34,000
Investments 89,000 +156,400 245,400
Retirement acc 283,000 +220,300 503,300
Real estate 280,000 + 60,000 340,000
Other assets 0 0 0
Total assets 658,000 +464,700 1,122,700

Mortgage 27,000 -17,950 9,050
Other debt 0 + 4,177 4,177
Total debt 27,000 -13,773 13,227

I am now 62.6% on my way to achive my FIRE target of GBP 1,250,000. This is -1.9 percentage points closer, compared to the last net worth update.

GBP 782,700 FIRE target: GBP 1,250,000


62.6%

FI portfolio

My FI portfolio now consists of GBP 245,400 (31.4%) in investments, GBP 503,300 (64.3%) in retirement accounts, and GBP 34,000 (4.3%) in cash.

Investments

Since my last update, my investments decreased with GBP -5,400 (-2.15%), of which GBP 100 was from contributions, and GBP -6,500 was from returns.

Since I started tracking, my total contributions have been GBP 140,800, and my total return has been GBP 9,200.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -15,400 (-2.97%), of which GBP 3,477 was from contributions , and GBP -13,377 was from returns.

Since I started tracking, my total contributions have been GBP 120,188, and my total return is GBP 90,212.




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

If I quit working today, my monthly pay out would be GBP 2,609 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,609/month
(4.0% SWR)
2,282/month
(3.5% SWR)
1,956/month
(3.0% SWR)


When can I retire?

FI date

August 2028

My age

51

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,250,000 in 3 years and 3 months, in August 2028, and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 142,270, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 325,030


Financial independence forecast