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Net worth update per


This is imjared's #46 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 106,663 and my FI portfolio decreased to GBP 106,663


Net worth

GBP 106,663

Since the last update on my net worth has decreased with GBP 0 ( 0.0 %).

FI portfolio

GBP 106,663

Since the last update on my FI portfolio has decreased with GBP 0 ( 0.0 %).

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 13,330 0 13,330
Investments 43,708 0 43,708
Retirement acc 49,625 0 49,625
Real estate 0 0 0
Other assets 0 0 0
Total assets 106,663 0 106,663

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 10,910 +2,420 13,330
Investments 39,003 +4,705 43,708
Retirement acc 32,706 +16,919 49,625
Real estate 0 0 0
Other assets 0 0 0
Total assets 82,619 +24,044 106,663

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 4,211 +9,119 13,330
Investments 11,352 +32,356 43,708
Retirement acc 7,392 +42,233 49,625
Real estate 0 0 0
Other assets 0 0 0
Total assets 22,955 +83,708 106,663

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

I am now 21.3% on my way to achive my FIRE target of GBP 500,000. This is 0.0 percentage points closer, compared to the last net worth update.

GBP 106,663 FIRE target: GBP 500,000


21.3%

FI portfolio

My FI portfolio now consists of GBP 43,708 (41.0%) in investments, GBP 49,625 (46.5%) in retirement accounts, and GBP 13,330 (12.5%) in cash.

Investments

Since my last update, my investments decreased with GBP 0 (0.0%), of which GBP 750 was from contributions, and GBP -750 was from returns.

Since I started tracking, my total contributions have been GBP 27,846, and my total return has been GBP 4,510.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP 0 (0.0%).

Since I started tracking, my total contributions have been GBP 32,006, and my total return is GBP 10,227.




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

If I quit working today, my monthly pay out would be GBP 355 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
355/month
(4.0% SWR)
311/month
(3.5% SWR)
266/month
(3.0% SWR)


When can I retire?

FI date

My age

39

I am currently aiming to save/invest approximately GBP 3,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 500,000 in 7 years and 1 months, in , and at that time I will be 39 years old.

By that time I will have invested/saved another GBP 258,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 135,337


Financial independence forecast