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Net worth update per


This is TrafficLightTree's #15 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 30,726 and my FI portfolio increased to GBP 31,120


Net worth

GBP 30,726

Since the last update on my net worth has increased with GBP 1,154 (+ 3.9 %).

FI portfolio

GBP 31,120

Since the last update on my FI portfolio has increased with GBP 1,094 (+ 3.64 %).

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 15,676 +289 15,965
Investments 0 0 0
Retirement acc 14,350 +805 15,155
Real estate 0 0 0
Other assets 1,973 0 1,973
Total assets 31,999 +1,094 33,093

Mortgage 0 0 0
Other debt 2,427 -60 2,367
Total debt 2,427 -60 2,367
Change
Cash 13,121 +2,844 15,965
Investments 0 0 0
Retirement acc 11,735 +3,420 15,155
Real estate 0 0 0
Other assets 1,673 + 300 1,973
Total assets 26,529 +6,564 33,093

Mortgage 0 0 0
Other debt 1,247 + 1,120 2,367
Total debt 1,247 + 1,120 2,367
Change
Cash 13,279 +2,686 15,965
Investments 0 0 0
Retirement acc 5,126 +10,029 15,155
Real estate 0 0 0
Other assets 1,673 + 300 1,973
Total assets 20,078 +13,015 33,093

Mortgage 0 0 0
Other debt 0 + 2,367 2,367
Total debt 0 + 2,367 2,367

I am now 3.9% 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 31,120 FIRE target: GBP 800,000


3.9%

FI portfolio

My FI portfolio now consists of GBP 15,155 (48.7%) in retirement accounts, and GBP 15,965 (51.3%) 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 805 (5.61%), 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 103 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
103/month
(4.0% SWR)
90/month
(3.5% SWR)
77/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 7 months, in , and at that time I will be 29 years old.

By that time I will have invested/saved another GBP 621,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 147,880


Financial independence forecast