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Net worth update per


This is awedPonie3's #48 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 714,901 and my FI portfolio increased to GBP 567,847


Net worth

GBP 714,901

Since the last update on my net worth has increased with GBP 17,110 (+ 2.45 %).

FI portfolio

GBP 567,847

Since the last update on my FI portfolio has increased with GBP 16,984 (+ 3.08 %).

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 3,600 0 3,600
Investments 122,986 +728 123,714
Retirement acc 424,277 +16,256 440,533
Real estate 361,420 -356 361,064
Other assets 17,000 0 17,000
Total assets 929,283 +16,628 945,911

Mortgage 231,492 -482 231,010
Other debt 0 0 0
Total debt 231,492 -482 231,010
Change
Cash 3,600 0 3,600
Investments 96,788 +26,926 123,714
Retirement acc 393,756 +46,777 440,533
Real estate 368,389 -7,325 361,064
Other assets 17,000 0 17,000
Total assets 879,533 +66,378 945,911

Mortgage 232,884 -1,874 231,010
Other debt 0 0 0
Total debt 232,884 -1,874 231,010
Change
Cash 19,186 -15,586 3,600
Investments 45,559 +78,155 123,714
Retirement acc 186,304 +254,229 440,533
Real estate 505,000 -143,936 361,064
Other assets 17,780 -780 17,000
Total assets 773,829 +172,082 945,911

Mortgage 332,319 -101,309 231,010
Other debt 4,000 -4,000 0
Total debt 336,319 -105,309 231,010

I am now 51.6% on my way to achive my FIRE target of GBP 1,100,000. This is 1.5 percentage points closer, compared to the last net worth update.

GBP 567,847 FIRE target: GBP 1,100,000


51.6%

FI portfolio

My FI portfolio now consists of GBP 123,714 (21.8%) in investments, GBP 440,533 (77.6%) in retirement accounts, and GBP 3,600 (0.6%) in cash.

Investments

Since my last update, my investments increased with GBP 728 (0.59%).

Since I started tracking, my total contributions have been GBP 14,893, and my total return has been GBP 63,262.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 16,256 (3.83%).

Since I started tracking, my total contributions have been GBP 81,390, and my total return is GBP 172,839.




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

If I quit working today, my monthly pay out would be GBP 1,892 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,892/month
(4.0% SWR)
1,656/month
(3.5% SWR)
1,419/month
(3.0% SWR)


When can I retire?

FI date

My age

46

I am currently aiming to save/invest approximately GBP 2,711 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,100,000 in 5 years and 11 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another GBP 195,192, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 336,961


Financial independence forecast