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Net worth update per


This is chinook's #76 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,061,618 and my FI portfolio increased to GBP 1,020,618


Net worth

GBP 1,061,618

Since the last update on my net worth has increased with GBP 125,588 (+ 13.42 %).

FI portfolio

GBP 1,020,618

Since the last update on my FI portfolio has increased with GBP 127,188 (+ 14.24 %).

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 136,094 -15,094 121,000
Investments 195,684 +62,115 257,799
Retirement acc 561,652 +80,167 641,819
Real estate 0 0 0
Other assets 42,600 -1,600 41,000
Total assets 936,030 +125,588 1,061,618

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 140,646 -19,646 121,000
Investments 209,049 +48,750 257,799
Retirement acc 561,877 +79,942 641,819
Real estate 0 0 0
Other assets 30,000 + 11,000 41,000
Total assets 941,572 +120,046 1,061,618

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100,000 +21,000 121,000
Investments 20,000 +237,799 257,799
Retirement acc 52,800 +589,019 641,819
Real estate 0 0 0
Other assets 0 + 41,000 41,000
Total assets 172,800 +888,818 1,061,618

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 102.1% on my way to achive my FIRE target of GBP 1,000,000. This is 12.7 percentage points closer, compared to the last net worth update.

GBP 1,020,618 FIRE target: GBP 1,000,000


102.1%

FI portfolio

My FI portfolio now consists of GBP 257,799 (25.3%) in investments, GBP 641,819 (62.9%) in retirement accounts, and GBP 121,000 (11.9%) in cash.

Investments

Since my last update, my investments increased with GBP 62,115 (31.74%), of which GBP 20,000 was from contributions, and GBP 42,115 was from returns.

Since I started tracking, my total contributions have been GBP 177,236, and my total return has been GBP 60,563.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 80,167 (14.27%), of which GBP 11,523 was from contributions , and GBP 68,644 was from returns.

Since I started tracking, my total contributions have been GBP 361,451, and my total return is GBP 227,568.




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

If I quit working today, my monthly pay out would be GBP 3,402 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
3,402/month
(4.0% SWR)
2,976/month
(3.5% SWR)
2,551/month
(3.0% SWR)


When can I retire?

FI date

My age

49

I am currently aiming to save/invest approximately GBP 5,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 0 years and 0 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 5,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP -25,618


Financial independence forecast