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Net worth update per


This is Cloudstrife's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 555,136 and my FI portfolio increased to GBP 282,036


Net worth

GBP 555,136

Since the last update on my net worth has increased with GBP 48,492 (+ 9.57 %).

FI portfolio

GBP 282,036

Since the last update on my FI portfolio has increased with GBP 40,392 (+ 16.72 %).

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 43,409 +14,524 57,933
Investments 81,133 +11,580 92,713
Retirement acc 117,102 +14,288 131,390
Real estate 265,000 + 8,100 273,100
Other assets 0 0 0
Total assets 506,644 +48,492 555,136

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 43,409 +14,524 57,933
Investments 81,133 +11,580 92,713
Retirement acc 117,102 +14,288 131,390
Real estate 265,000 + 8,100 273,100
Other assets 0 0 0
Total assets 506,644 +48,492 555,136

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 3,966 +53,967 57,933
Investments 200 +92,513 92,713
Retirement acc 15,189 +116,201 131,390
Real estate 147,000 + 126,100 273,100
Other assets 0 0 0
Total assets 166,355 +388,781 555,136

Mortgage 126,460 -126,460 0
Other debt 0 0 0
Total debt 126,460 -126,460 0

I am now 28.2% on my way to achive my FIRE target of GBP 1,000,000. This is 4.0 percentage points closer, compared to the last net worth update.

GBP 282,036 FIRE target: GBP 1,000,000


28.2%

FI portfolio

My FI portfolio now consists of GBP 92,713 (32.9%) in investments, GBP 131,390 (46.6%) in retirement accounts, and GBP 57,933 (20.5%) in cash.

Investments

Since my last update, my investments increased with GBP 11,580 (14.27%), of which GBP 8,750 was from contributions, and GBP 2,830 was from returns.

Since I started tracking, my total contributions have been GBP 65,500, and my total return has been GBP 27,013.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 14,288 (12.2%), of which GBP 10,774 was from contributions , and GBP 3,514 was from returns.

Since I started tracking, my total contributions have been GBP 79,784, and my total return is GBP 36,417.




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

If I quit working today, my monthly pay out would be GBP 940 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
940/month
(4.0% SWR)
822/month
(3.5% SWR)
705/month
(3.0% SWR)


When can I retire?

FI date

My age

52

I am currently aiming to save/invest approximately GBP 2,826 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 9 years and 10 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another GBP 336,294, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 381,670


Financial independence forecast