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Net worth update per


This is awedPonie3's #51 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 732,453 and my FI portfolio increased to GBP 584,211


Net worth

GBP 732,453

Since the last update on my net worth has increased with GBP 1,539 (+ 0.21 %).

FI portfolio

GBP 584,211

Since the last update on my FI portfolio has increased with GBP 1,108 (+ 0.19 %).

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 123,522 +379 123,901
Retirement acc 455,981 +729 456,710
Real estate 361,420 0 361,420
Other assets 17,000 0 17,000
Total assets 961,523 +1,108 962,631

Mortgage 230,609 -431 230,178
Other debt 0 0 0
Total debt 230,609 -431 230,178
Change
Cash 3,600 0 3,600
Investments 96,788 +27,113 123,901
Retirement acc 393,756 +62,954 456,710
Real estate 368,389 -6,969 361,420
Other assets 17,000 0 17,000
Total assets 879,533 +83,098 962,631

Mortgage 232,884 -2,706 230,178
Other debt 0 0 0
Total debt 232,884 -2,706 230,178
Change
Cash 19,186 -15,586 3,600
Investments 45,559 +78,342 123,901
Retirement acc 186,304 +270,406 456,710
Real estate 505,000 -143,580 361,420
Other assets 17,780 -780 17,000
Total assets 773,829 +188,802 962,631

Mortgage 332,319 -102,141 230,178
Other debt 4,000 -4,000 0
Total debt 336,319 -106,141 230,178

I am now 53.1% on my way to achive my FIRE target of GBP 1,100,000. This is 0.1 percentage points closer, compared to the last net worth update.

GBP 584,211 FIRE target: GBP 1,100,000


53.1%

FI portfolio

My FI portfolio now consists of GBP 123,901 (21.2%) in investments, GBP 456,710 (78.2%) in retirement accounts, and GBP 3,600 (0.6%) in cash.

Investments

Since my last update, my investments increased with GBP 379 (0.31%).

Since I started tracking, my total contributions have been GBP 14,893, and my total return has been GBP 63,449.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 729 (0.16%), of which GBP 1,500 was from contributions , and GBP -771 was from returns.

Since I started tracking, my total contributions have been GBP 84,390, and my total return is GBP 186,016.




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

If I quit working today, my monthly pay out would be GBP 1,947 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,947/month
(4.0% SWR)
1,703/month
(3.5% SWR)
1,460/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 8 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another GBP 187,059, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 328,730


Financial independence forecast