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Net worth update per


This is beecho01's #69 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 21,702 and my FI portfolio decreased to GBP 39,947


Net worth

GBP 21,702

Since the last update on my net worth has increased with GBP 616 (+ 2.92 %).

FI portfolio

GBP 39,947

Since the last update on my FI portfolio has decreased with GBP -1 ( -0.0 %).

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 +85 85
Investments 11,913 +9 11,922
Retirement acc 28,035 -95 27,940
Real estate 0 0 0
Other assets 108 0 108
Total assets 40,056 -1 40,055

Mortgage 0 0 0
Other debt 18,970 -617 18,353
Total debt 18,970 -617 18,353
Change
Cash 0 +85 85
Investments 9,911 +2,011 11,922
Retirement acc 24,127 +3,813 27,940
Real estate 0 0 0
Other assets 108 0 108
Total assets 34,146 +5,909 40,055

Mortgage 0 0 0
Other debt 5,422 + 12,931 18,353
Total debt 5,422 + 12,931 18,353
Change
Cash 0 +85 85
Investments 0 +11,922 11,922
Retirement acc 2,658 +25,282 27,940
Real estate 0 0 0
Other assets 0 + 108 108
Total assets 2,658 +37,397 40,055

Mortgage 0 0 0
Other debt 7,877 + 10,476 18,353
Total debt 7,877 + 10,476 18,353

I am now 5.3% 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 39,947 FIRE target: GBP 750,000


5.3%

FI portfolio

My FI portfolio now consists of GBP 11,922 (29.8%) in investments, GBP 27,940 (69.9%) in retirement accounts, and GBP 85 (0.2%) in cash.

Investments

Since my last update, my investments increased with GBP 9 (0.08%).

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 decreased with GBP -95 (-0.34%), 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 133 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
133/month
(4.0% SWR)
116/month
(3.5% SWR)
99/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 6 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 144,060, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 565,993


Financial independence forecast