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Net worth update per


This is theflairbunny's #73 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 474,017 and my FI portfolio decreased to GBP 474,017


Net worth

GBP 474,017

Since the last update on my net worth has decreased with GBP -56,293 ( -10.62 %).

FI portfolio

GBP 474,017

Since the last update on my FI portfolio has decreased with GBP -56,293 ( -10.62 %).

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 23,465 -5,585 17,880
Investments 356,466 -31,078 325,388
Retirement acc 150,379 -19,630 130,749
Real estate 0 0 0
Other assets 0 0 0
Total assets 530,310 -56,293 474,017

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 24,709 -6,829 17,880
Investments 352,080 -26,692 325,388
Retirement acc 149,023 -18,274 130,749
Real estate 0 0 0
Other assets 0 0 0
Total assets 525,812 -51,795 474,017

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 2,082 +15,798 17,880
Investments 3,137 +322,251 325,388
Retirement acc 7,160 +123,589 130,749
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +461,638 474,017

Mortgage 0 0 0
Other debt 15,575 -15,575 0
Total debt 15,575 -15,575 0

I am now 79.0% on my way to achive my FIRE target of GBP 600,000. This is -9.4 percentage points closer, compared to the last net worth update.

GBP 474,017 FIRE target: GBP 600,000


79.0%

FI portfolio

My FI portfolio now consists of GBP 325,388 (68.6%) in investments, GBP 130,749 (27.6%) in retirement accounts, and GBP 17,880 (3.8%) in cash.

Investments

Since my last update, my investments decreased with GBP -31,078 (-8.72%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -19,630 (-13.05%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 1,580 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,580/month
(4.0% SWR)
1,382/month
(3.5% SWR)
1,185/month
(3.0% SWR)


When can I retire?

FI date

My age

35

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 1 years and 1 months, in , and at that time I will be 35 years old.

By that time I will have invested/saved another GBP 84,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 41,983


Financial independence forecast