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Net worth update per


This is cybernaut's #69 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,135,599 and my FI portfolio increased to GBP 807,650


Net worth

GBP 1,135,599

Since the last update on my net worth has increased with GBP 41,779 (+ 3.82 %).

FI portfolio

GBP 807,650

Since the last update on my FI portfolio has increased with GBP 41,200 (+ 5.38 %).

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 34,050 +100 34,150
Investments 239,000 +11,200 250,200
Retirement acc 493,400 +29,900 523,300
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,106,450 +41,200 1,147,650

Mortgage 8,751 -280 8,471
Other debt 3,879 -299 3,580
Total debt 12,630 -579 12,051
Change
Cash 31,100 +3,050 34,150
Investments 243,600 +6,600 250,200
Retirement acc 507,800 +15,500 523,300
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,122,500 +25,150 1,147,650

Mortgage 9,890 -1,419 8,471
Other debt 5,080 -1,500 3,580
Total debt 14,970 -2,919 12,051
Change
Cash 6,000 +28,150 34,150
Investments 89,000 +161,200 250,200
Retirement acc 283,000 +240,300 523,300
Real estate 280,000 + 60,000 340,000
Other assets 0 0 0
Total assets 658,000 +489,650 1,147,650

Mortgage 27,000 -18,529 8,471
Other debt 0 + 3,580 3,580
Total debt 27,000 -14,949 12,051

I am now 46.2% on my way to achive my FIRE target of GBP 1,750,000. This is 2.4 percentage points closer, compared to the last net worth update.

GBP 807,650 FIRE target: GBP 1,750,000


46.2%

FI portfolio

My FI portfolio now consists of GBP 250,200 (31.0%) in investments, GBP 523,300 (64.8%) in retirement accounts, and GBP 34,150 (4.2%) in cash.

Investments

Since my last update, my investments increased with GBP 11,200 (4.69%), 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 increased with GBP 29,900 (6.06%), 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 2,692 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,692/month
(4.0% SWR)
2,355/month
(3.5% SWR)
2,019/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 5 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another GBP 242,900, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 699,450


Financial independence forecast