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Net worth update per


This is chinook's #77 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,074,825 and my FI portfolio increased to GBP 1,035,920


Net worth

GBP 1,074,825

Since the last update on my net worth has increased with GBP 13,207 (+ 1.24 %).

FI portfolio

GBP 1,035,920

Since the last update on my FI portfolio has increased with GBP 15,302 (+ 1.5 %).

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 121,000 +9,262 130,262
Investments 257,799 +1,173 258,972
Retirement acc 641,819 +4,867 646,686
Real estate 0 0 0
Other assets 41,000 -2,095 38,905
Total assets 1,061,618 +13,207 1,074,825

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 140,646 -10,384 130,262
Investments 209,049 +49,923 258,972
Retirement acc 561,877 +84,809 646,686
Real estate 0 0 0
Other assets 30,000 + 8,905 38,905
Total assets 941,572 +133,253 1,074,825

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100,000 +30,262 130,262
Investments 20,000 +238,972 258,972
Retirement acc 52,800 +593,886 646,686
Real estate 0 0 0
Other assets 0 + 38,905 38,905
Total assets 172,800 +902,025 1,074,825

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

I am now 103.6% on my way to achive my FIRE target of GBP 1,000,000. This is 1.5 percentage points closer, compared to the last net worth update.

GBP 1,035,920 FIRE target: GBP 1,000,000


103.6%

FI portfolio

My FI portfolio now consists of GBP 258,972 (25.0%) in investments, GBP 646,686 (62.4%) in retirement accounts, and GBP 130,262 (12.6%) in cash.

Investments

Since my last update, my investments increased with GBP 1,173 (0.46%), of which GBP 100 was from contributions, and GBP 1,073 was from returns.

Since I started tracking, my total contributions have been GBP 177,336, and my total return has been GBP 61,636.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,867 (0.76%), of which GBP 3,841 was from contributions , and GBP 1,026 was from returns.

Since I started tracking, my total contributions have been GBP 365,292, and my total return is GBP 228,594.




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

If I quit working today, my monthly pay out would be GBP 3,453 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
3,453/month
(4.0% SWR)
3,021/month
(3.5% SWR)
2,589/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 -40,920


Financial independence forecast