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Net worth update per


This is beecho01's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP -5,076 and my FI portfolio increased to GBP 8,250


Net worth

GBP -5,076

Since the last update on my net worth has increased with GBP 2,333 (+ -31.49 %).

FI portfolio

GBP 8,250

Since the last update on my FI portfolio has increased with GBP 302 (+ 3.8 %).

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 7,948 +302 8,250
Real estate 0 0 0
Other assets 0 0 0
Total assets 7,948 +302 8,250

Mortgage 0 0 0
Other debt 15,357 -2,031 13,326
Total debt 15,357 -2,031 13,326
Change
Cash 0 0 0
Investments 0 0 0
Retirement acc 6,717 +1,533 8,250
Real estate 0 0 0
Other assets 0 0 0
Total assets 6,717 +1,533 8,250

Mortgage 0 0 0
Other debt 17,420 -4,094 13,326
Total debt 17,420 -4,094 13,326
Change
Cash 0 0 0
Investments 0 0 0
Retirement acc 2,658 +5,592 8,250
Real estate 0 0 0
Other assets 0 0 0
Total assets 2,658 +5,592 8,250

Mortgage 0 0 0
Other debt 7,877 + 5,449 13,326
Total debt 7,877 + 5,449 13,326

I am now 1.1% on my way to achive my FIRE target of GBP 750,000. This is 0.0 percentage points closer, compared to the last net worth update.

GBP 8,250 FIRE target: GBP 750,000


1.1%

FI portfolio

My FI portfolio now consists of GBP 8,250 (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 302 (3.8%), 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 27 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
27/month
(4.0% SWR)
24/month
(3.5% SWR)
20/month
(3.0% SWR)


When can I retire?

FI date

My age

59

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 10 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another GBP 168,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 573,750


Financial independence forecast