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Net worth update per


This is beecho01's #49 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 16,938 and my FI portfolio increased to GBP 24,849


Net worth

GBP 16,938

Since the last update on my net worth has increased with GBP 388 (+ 2.34 %).

FI portfolio

GBP 24,849

Since the last update on my FI portfolio has increased with GBP 565 (+ 2.33 %).

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 6,185 +211 6,396
Retirement acc 18,099 +354 18,453
Real estate 0 0 0
Other assets 58 0 58
Total assets 24,342 +565 24,907

Mortgage 0 0 0
Other debt 7,792 + 177 7,969
Total debt 7,792 + 177 7,969
Change
Cash 0 0 0
Investments 4,348 +2,048 6,396
Retirement acc 16,014 +2,439 18,453
Real estate 0 0 0
Other assets 37 + 21 58
Total assets 20,399 +4,508 24,907

Mortgage 0 0 0
Other debt 8,753 -784 7,969
Total debt 8,753 -784 7,969
Change
Cash 0 0 0
Investments 0 +6,396 6,396
Retirement acc 2,658 +15,795 18,453
Real estate 0 0 0
Other assets 0 + 58 58
Total assets 2,658 +22,249 24,907

Mortgage 0 0 0
Other debt 7,877 + 92 7,969
Total debt 7,877 + 92 7,969

I am now 3.3% 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 24,849 FIRE target: GBP 750,000


3.3%

FI portfolio

My FI portfolio now consists of GBP 6,396 (25.7%) in investments, GBP 18,453 (74.3%) in retirement accounts, and GBP 0 (0.0%) in cash.

Investments

Since my last update, my investments increased with GBP 211 (3.41%).

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 354 (1.96%), 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 82 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
82/month
(4.0% SWR)
72/month
(3.5% SWR)
62/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 6 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 154,560, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 570,591


Financial independence forecast