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Net worth update per


This is TrafficLightTree's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 36,208 and my FI portfolio decreased to GBP 33,464


Net worth

GBP 36,208

Since the last update on my net worth has increased with GBP 853 (+ 2.41 %).

FI portfolio

GBP 33,464

Since the last update on my FI portfolio has decreased with GBP -41 ( -0.12 %).

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 13,979 -182 13,797
Investments 0 0 0
Retirement acc 19,526 +141 19,667
Real estate 0 0 0
Other assets 3,873 + 830 4,703
Total assets 37,378 +789 38,167

Mortgage 0 0 0
Other debt 2,023 -64 1,959
Total debt 2,023 -64 1,959
Change
Cash 13,121 +676 13,797
Investments 0 0 0
Retirement acc 11,735 +7,932 19,667
Real estate 0 0 0
Other assets 1,673 + 3,030 4,703
Total assets 26,529 +11,638 38,167

Mortgage 0 0 0
Other debt 1,247 + 712 1,959
Total debt 1,247 + 712 1,959
Change
Cash 13,279 +518 13,797
Investments 0 0 0
Retirement acc 5,126 +14,541 19,667
Real estate 0 0 0
Other assets 1,673 + 3,030 4,703
Total assets 20,078 +18,089 38,167

Mortgage 0 0 0
Other debt 0 + 1,959 1,959
Total debt 0 + 1,959 1,959

I am now 4.2% on my way to achive my FIRE target of GBP 800,000. This is -0.0 percentage points closer, compared to the last net worth update.

GBP 33,464 FIRE target: GBP 800,000


4.2%

FI portfolio

My FI portfolio now consists of GBP 19,667 (58.8%) in retirement accounts, and GBP 13,797 (41.2%) 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 141 (0.72%), 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 111 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
111/month
(4.0% SWR)
97/month
(3.5% SWR)
83/month
(3.0% SWR)


When can I retire?

FI date

My age

30

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 11 months, in , and at that time I will be 30 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 145,536


Financial independence forecast