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Net worth update per


This is cybernaut's #70 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,146,833 and my FI portfolio increased to GBP 818,290


Net worth

GBP 1,146,833

Since the last update on my net worth has increased with GBP 11,234 (+ 0.99 %).

FI portfolio

GBP 818,290

Since the last update on my FI portfolio has increased with GBP 10,640 (+ 1.32 %).

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 34,150 +7,040 41,190
Investments 250,200 -7,200 243,000
Retirement acc 523,300 +10,800 534,100
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,147,650 +10,640 1,158,290

Mortgage 8,471 -296 8,175
Other debt 3,580 -298 3,282
Total debt 12,051 -594 11,457
Change
Cash 31,100 +10,090 41,190
Investments 243,600 -600 243,000
Retirement acc 507,800 +26,300 534,100
Real estate 340,000 0 340,000
Other assets 0 0 0
Total assets 1,122,500 +35,790 1,158,290

Mortgage 9,890 -1,715 8,175
Other debt 5,080 -1,798 3,282
Total debt 14,970 -3,513 11,457
Change
Cash 6,000 +35,190 41,190
Investments 89,000 +154,000 243,000
Retirement acc 283,000 +251,100 534,100
Real estate 280,000 + 60,000 340,000
Other assets 0 0 0
Total assets 658,000 +500,290 1,158,290

Mortgage 27,000 -18,825 8,175
Other debt 0 + 3,282 3,282
Total debt 27,000 -15,543 11,457

I am now 65.5% on my way to achive my FIRE target of GBP 1,250,000. This is 0.9 percentage points closer, compared to the last net worth update.

GBP 818,290 FIRE target: GBP 1,250,000


65.5%

FI portfolio

My FI portfolio now consists of GBP 243,000 (29.7%) in investments, GBP 534,100 (65.3%) in retirement accounts, and GBP 41,190 (5.0%) in cash.

Investments

Since my last update, my investments decreased with GBP -7,200 (-2.88%), of which GBP 100 was from contributions, and GBP 18,500 was from returns.

Since I started tracking, my total contributions have been GBP 141,100, and my total return has been GBP 31,500.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 10,800 (2.06%), of which GBP 3,477 was from contributions , and GBP 19,623 was from returns.

Since I started tracking, my total contributions have been GBP 130,619, and my total return is GBP 143,581.




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

If I quit working today, my monthly pay out would be GBP 2,727 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,727/month
(4.0% SWR)
2,386/month
(3.5% SWR)
2,045/month
(3.0% SWR)


When can I retire?

FI date

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 2 years and 11 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 128,390, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 303,320


Financial independence forecast