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Net worth update per


This is beecho01's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP -12,887 and my FI portfolio increased to GBP 5,249


Net worth

GBP -12,887

Since the last update on my net worth has increased with GBP 697 (+ -5.13 %).

FI portfolio

GBP 5,249

Since the last update on my FI portfolio has increased with GBP 452 (+ 9.42 %).

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 0 0 0
Investments 0 0 0
Retirement acc 4,797 +452 5,249
Real estate 0 0 0
Other assets 0 0 0
Total assets 4,797 +452 5,249

Mortgage 0 0 0
Other debt 18,381 -245 18,136
Total debt 18,381 -245 18,136
Change
Cash 0 0 0
Investments 0 0 0
Retirement acc 3,083 +2,166 5,249
Real estate 0 0 0
Other assets 0 0 0
Total assets 3,083 +2,166 5,249

Mortgage 0 0 0
Other debt 7,376 + 10,760 18,136
Total debt 7,376 + 10,760 18,136
Change
Cash 0 0 0
Investments 0 0 0
Retirement acc 2,658 +2,591 5,249
Real estate 0 0 0
Other assets 0 0 0
Total assets 2,658 +2,591 5,249

Mortgage 0 0 0
Other debt 7,877 + 10,259 18,136
Total debt 7,877 + 10,259 18,136

I am now 0.7% on my way to achive my FIRE target of GBP 750,000. This is 0.1 percentage points closer, compared to the last net worth update.

GBP 5,249 FIRE target: GBP 750,000


0.7%

FI portfolio

My FI portfolio now consists of GBP 5,249 (100.0%) in retirement accounts, and GBP 0 (0.0%) in cash.

Investments

Since my last update, my investments decreased with GBP 0 (0%).

Since I started tracking, my total contributions have been GBP 10,775, and my total return has been GBP 3,297.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 452 (9.42%), of which GBP 413 was from contributions , and GBP 494 was from returns.

Since I started tracking, my total contributions have been GBP 23,890, and my total return is GBP 5,823.




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

If I quit working today, my monthly pay out would be GBP 17 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
17/month
(4.0% SWR)
15/month
(3.5% SWR)
13/month
(3.0% SWR)


When can I retire?

FI date

My age

58

I am currently aiming to save/invest approximately GBP 420 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 750,000 in 28 years and 5 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 170,520, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 574,231


Financial independence forecast