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Net worth update per


This is beecho01's #41 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 12,449 and my FI portfolio increased to GBP 21,460


Net worth

GBP 12,449

Since the last update on my net worth has increased with GBP 803 (+ 6.9 %).

FI portfolio

GBP 21,460

Since the last update on my FI portfolio has increased with GBP 1,098 (+ 5.39 %).

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 +23 23
Investments 4,348 +121 4,469
Retirement acc 16,014 +954 16,968
Real estate 0 0 0
Other assets 37 + 21 58
Total assets 20,399 +1,119 21,518

Mortgage 0 0 0
Other debt 8,753 + 316 9,069
Total debt 8,753 + 316 9,069
Change
Cash 0 +23 23
Investments 4,348 +121 4,469
Retirement acc 16,014 +954 16,968
Real estate 0 0 0
Other assets 37 + 21 58
Total assets 20,399 +1,119 21,518

Mortgage 0 0 0
Other debt 8,753 + 316 9,069
Total debt 8,753 + 316 9,069
Change
Cash 0 +23 23
Investments 0 +4,469 4,469
Retirement acc 2,658 +14,310 16,968
Real estate 0 0 0
Other assets 0 + 58 58
Total assets 2,658 +18,860 21,518

Mortgage 0 0 0
Other debt 7,877 + 1,192 9,069
Total debt 7,877 + 1,192 9,069

I am now 2.9% 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 21,460 FIRE target: GBP 750,000


2.9%

FI portfolio

My FI portfolio now consists of GBP 4,469 (20.8%) in investments, GBP 16,968 (79.1%) in retirement accounts, and GBP 23 (0.1%) in cash.

Investments

Since my last update, my investments increased with GBP 121 (2.78%).

Since I started tracking, my total contributions have been GBP 10,775, and my total return has been GBP -3,879.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 954 (5.96%), of which GBP 330 was from contributions , and GBP -110 was from returns.

Since I started tracking, my total contributions have been GBP 25,046, and my total return is GBP 6,469.




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

If I quit working today, my monthly pay out would be GBP 71 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
71/month
(4.0% SWR)
62/month
(3.5% SWR)
53/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 27 years and 7 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 157,080, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 571,460


Financial independence forecast