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Net worth update per


This is cybernaut's #67 net worth update. Please check out my profile here for more information. As of , 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 my net worth has decreased with GBP -23,230 ( -2.05 %).

FI portfolio

GBP 782,700

Since the last update on 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.
Change
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
Change
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
Change
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 44.7% on my way to achive my FIRE target of GBP 1,750,000. This is -1.4 percentage points closer, compared to the last net worth update.

GBP 782,700 FIRE target: GBP 1,750,000


44.7%

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 6,470 was from returns.

Since I started tracking, my total contributions have been GBP 141,300, and my total return has been GBP 37,960.

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 13,123 was from returns.

Since I started tracking, my total contributions have been GBP 137,573, and my total return is GBP 159,027.




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

My age

54

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 1,750,000 in 5 years and 6 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another GBP 253,310, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 713,990


Financial independence forecast