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Net worth update per


This is imjared's #89 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 147,640 and my FI portfolio decreased to GBP 147,640


Net worth

GBP 147,640

Since the last update on my net worth has decreased with GBP -36 ( -0.02 %).

FI portfolio

GBP 147,640

Since the last update on my FI portfolio has decreased with GBP -36 ( -0.02 %).

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 30,952 -186 30,766
Investments 50,650 +150 50,800
Retirement acc 66,074 0 66,074
Real estate 0 0 0
Other assets 0 0 0
Total assets 147,676 -36 147,640

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 19,444 +11,322 30,766
Investments 43,937 +6,863 50,800
Retirement acc 53,939 +12,135 66,074
Real estate 0 0 0
Other assets 0 0 0
Total assets 117,320 +30,320 147,640

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 4,211 +26,555 30,766
Investments 11,352 +39,448 50,800
Retirement acc 7,392 +58,682 66,074
Real estate 0 0 0
Other assets 0 0 0
Total assets 22,955 +124,685 147,640

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

I am now 29.5% 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 147,640 FIRE target: GBP 500,000


29.5%

FI portfolio

My FI portfolio now consists of GBP 50,800 (34.4%) in investments, GBP 66,074 (44.8%) in retirement accounts, and GBP 30,766 (20.8%) in cash.

Investments

Since my last update, my investments increased with GBP 150 (0.3%), of which GBP 1,350 was from contributions, and GBP 511 was from returns.

Since I started tracking, my total contributions have been GBP 63,402, and my total return has been GBP -22,093.

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 37,208, and my total return is GBP 21,818.




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

If I quit working today, my monthly pay out would be GBP 492 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
492/month
(4.0% SWR)
430/month
(3.5% SWR)
369/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately GBP 1,000 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 11 years and 2 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another GBP 135,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 217,360


Financial independence forecast