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Net worth update per


This is awedPonie3's #36 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 574,082 and my FI portfolio decreased to GBP 513,491


Net worth

GBP 574,082

Since the last update on my net worth has decreased with GBP -10,028 ( -1.72 %).

FI portfolio

GBP 513,491

Since the last update on my FI portfolio has decreased with GBP -5,336 ( -1.03 %).

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 11,836 0 11,836
Investments 183,572 -9,074 174,498
Retirement acc 323,419 +3,738 327,157
Real estate 357,769 -5,320 352,449
Other assets 17,000 0 17,000
Total assets 893,596 -10,656 882,940

Mortgage 235,342 -322 235,020
Other debt 74,144 -306 73,838
Total debt 309,486 -628 308,858
Change
Cash 9,710 +2,126 11,836
Investments 176,562 -2,064 174,498
Retirement acc 322,711 +4,446 327,157
Real estate 352,445 + 4 352,449
Other assets 17,000 0 17,000
Total assets 878,428 +4,512 882,940

Mortgage 236,881 -1,861 235,020
Other debt 75,142 -1,304 73,838
Total debt 312,023 -3,165 308,858
Change
Cash 19,186 -7,350 11,836
Investments 45,559 +128,939 174,498
Retirement acc 186,304 +140,853 327,157
Real estate 505,000 -152,551 352,449
Other assets 17,780 -780 17,000
Total assets 773,829 +109,111 882,940

Mortgage 332,319 -97,299 235,020
Other debt 4,000 + 69,838 73,838
Total debt 336,319 -27,461 308,858

I am now 46.7% on my way to achive my FIRE target of GBP 1,100,000. This is -0.5 percentage points closer, compared to the last net worth update.

GBP 513,491 FIRE target: GBP 1,100,000


46.7%

FI portfolio

My FI portfolio now consists of GBP 174,498 (34.0%) in investments, GBP 327,157 (63.7%) in retirement accounts, and GBP 11,836 (2.3%) in cash.

Investments

Since my last update, my investments decreased with GBP -9,074 (-4.94%).

Since I started tracking, my total contributions have been GBP 10,793, and my total return has been GBP 118,146.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 3,738 (1.16%), of which GBP 1,355 was from contributions , and GBP 2,383 was from returns.

Since I started tracking, my total contributions have been GBP 68,321, and my total return is GBP 72,532.




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

If I quit working today, my monthly pay out would be GBP 1,711 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,711/month
(4.0% SWR)
1,497/month
(3.5% SWR)
1,283/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately GBP 2,711 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,100,000 in 7 years and 4 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 241,279, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 345,230


Financial independence forecast