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Net worth update per


This is chinook's #78 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,124,060 and my FI portfolio increased to GBP 1,064,797


Net worth

GBP 1,124,060

Since the last update on my net worth has increased with GBP 49,235 (+ 4.58 %).

FI portfolio

GBP 1,064,797

Since the last update on my FI portfolio has increased with GBP 28,877 (+ 2.79 %).

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 130,262 -4,756 125,506
Investments 258,972 -4,543 254,429
Retirement acc 646,686 +38,176 684,862
Real estate 0 0 0
Other assets 38,905 + 20,358 59,263
Total assets 1,074,825 +49,235 1,124,060

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 140,646 -15,140 125,506
Investments 209,049 +45,380 254,429
Retirement acc 561,877 +122,985 684,862
Real estate 0 0 0
Other assets 30,000 + 29,263 59,263
Total assets 941,572 +182,488 1,124,060

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100,000 +25,506 125,506
Investments 20,000 +234,429 254,429
Retirement acc 52,800 +632,062 684,862
Real estate 0 0 0
Other assets 0 + 59,263 59,263
Total assets 172,800 +951,260 1,124,060

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

I am now 106.5% on my way to achive my FIRE target of GBP 1,000,000. This is 2.9 percentage points closer, compared to the last net worth update.

GBP 1,064,797 FIRE target: GBP 1,000,000


106.5%

FI portfolio

My FI portfolio now consists of GBP 254,429 (23.9%) in investments, GBP 684,862 (64.3%) in retirement accounts, and GBP 125,506 (11.8%) in cash.

Investments

Since my last update, my investments decreased with GBP -4,543 (-1.75%), of which GBP 100 was from contributions, and GBP -4,643 was from returns.

Since I started tracking, my total contributions have been GBP 177,436, and my total return has been GBP 56,993.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 38,176 (5.9%), of which GBP 3,841 was from contributions , and GBP 34,335 was from returns.

Since I started tracking, my total contributions have been GBP 369,133, and my total return is GBP 262,929.




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

If I quit working today, my monthly pay out would be GBP 3,549 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
3,549/month
(4.0% SWR)
3,105/month
(3.5% SWR)
2,661/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 -69,797


Financial independence forecast