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Net worth update per


This is beecho01's #72 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 25,712 and my FI portfolio increased to GBP 42,874


Net worth

GBP 25,712

Since the last update on my net worth has increased with GBP 753 (+ 3.02 %).

FI portfolio

GBP 42,874

Since the last update on my FI portfolio has increased with GBP 254 (+ 0.6 %).

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 59 0 59
Investments 12,738 +256 12,994
Retirement acc 29,823 -2 29,821
Real estate 0 0 0
Other assets 108 0 108
Total assets 42,728 +254 42,982

Mortgage 0 0 0
Other debt 17,769 -499 17,270
Total debt 17,769 -499 17,270
Change
Cash 0 +59 59
Investments 9,911 +3,083 12,994
Retirement acc 24,127 +5,694 29,821
Real estate 0 0 0
Other assets 108 0 108
Total assets 34,146 +8,836 42,982

Mortgage 0 0 0
Other debt 5,422 + 11,848 17,270
Total debt 5,422 + 11,848 17,270
Change
Cash 0 +59 59
Investments 0 +12,994 12,994
Retirement acc 2,658 +27,163 29,821
Real estate 0 0 0
Other assets 0 + 108 108
Total assets 2,658 +40,324 42,982

Mortgage 0 0 0
Other debt 7,877 + 9,393 17,270
Total debt 7,877 + 9,393 17,270

I am now 5.7% 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 42,874 FIRE target: GBP 750,000


5.7%

FI portfolio

My FI portfolio now consists of GBP 12,994 (30.3%) in investments, GBP 29,821 (69.6%) in retirement accounts, and GBP 59 (0.1%) in cash.

Investments

Since my last update, my investments increased with GBP 256 (2.01%).

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 -2 (-0.01%), 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 142 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
142/month
(4.0% SWR)
125/month
(3.5% SWR)
107/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 4 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 141,960, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 565,166


Financial independence forecast