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Net worth update per


This is TrafficLightTree's #8 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 21,196 and my FI portfolio decreased to GBP 21,001


Net worth

GBP 21,196

Since the last update on my net worth has decreased with GBP -994 ( -4.48 %).

FI portfolio

GBP 21,001

Since the last update on my FI portfolio has decreased with GBP -1,081 ( -4.9 %).

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 13,921 -1,372 12,549
Investments 0 0 0
Retirement acc 8,161 +291 8,452
Real estate 0 0 0
Other assets 1,673 0 1,673
Total assets 23,755 -1,081 22,674

Mortgage 0 0 0
Other debt 1,565 -87 1,478
Total debt 1,565 -87 1,478
Change
Cash 13,279 -730 12,549
Investments 0 0 0
Retirement acc 5,126 +3,326 8,452
Real estate 0 0 0
Other assets 1,673 0 1,673
Total assets 20,078 +2,596 22,674

Mortgage 0 0 0
Other debt 0 + 1,478 1,478
Total debt 0 + 1,478 1,478
Change
Cash 13,279 -730 12,549
Investments 0 0 0
Retirement acc 5,126 +3,326 8,452
Real estate 0 0 0
Other assets 1,673 0 1,673
Total assets 20,078 +2,596 22,674

Mortgage 0 0 0
Other debt 0 + 1,478 1,478
Total debt 0 + 1,478 1,478

I am now 2.6% on my way to achive my FIRE target of GBP 800,000. This is -0.1 percentage points closer, compared to the last net worth update.

GBP 21,001 FIRE target: GBP 800,000


2.6%

FI portfolio

My FI portfolio now consists of GBP 8,452 (40.2%) in retirement accounts, and GBP 12,549 (59.8%) in cash.

Investments

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

Since I started tracking, my total contributions have been GBP 3,000, and my total return has been GBP -1,019.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 291 (3.57%), of which GBP 4,432 was from contributions , and GBP -1,767 was from returns.

Since I started tracking, my total contributions have been GBP 29,732, and my total return is GBP 2,761.




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

If I quit working today, my monthly pay out would be GBP 70 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
70/month
(4.0% SWR)
61/month
(3.5% SWR)
52/month
(3.0% SWR)


When can I retire?

FI date

My age

29

I am currently aiming to save/invest approximately GBP 9,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 800,000 in 4 years and 1 months, in , and at that time I will be 29 years old.

By that time I will have invested/saved another GBP 630,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 148,999


Financial independence forecast