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Net worth update per


This is beecho01's #75 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 30,196 and my FI portfolio increased to GBP 46,573


Net worth

GBP 30,196

Since the last update on my net worth has increased with GBP 1,588 (+ 5.55 %).

FI portfolio

GBP 46,573

Since the last update on my FI portfolio has increased with GBP 1,013 (+ 2.22 %).

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 159 +297 456
Investments 13,937 +135 14,072
Retirement acc 31,464 +581 32,045
Real estate 0 0 0
Other assets 108 0 108
Total assets 45,668 +1,013 46,681

Mortgage 0 0 0
Other debt 17,060 -575 16,485
Total debt 17,060 -575 16,485
Change
Cash 0 +456 456
Investments 9,911 +4,161 14,072
Retirement acc 24,127 +7,918 32,045
Real estate 0 0 0
Other assets 108 0 108
Total assets 34,146 +12,535 46,681

Mortgage 0 0 0
Other debt 5,422 + 11,063 16,485
Total debt 5,422 + 11,063 16,485
Change
Cash 0 +456 456
Investments 0 +14,072 14,072
Retirement acc 2,658 +29,387 32,045
Real estate 0 0 0
Other assets 0 + 108 108
Total assets 2,658 +44,023 46,681

Mortgage 0 0 0
Other debt 7,877 + 8,608 16,485
Total debt 7,877 + 8,608 16,485

I am now 6.2% on my way to achive my FIRE target of GBP 750,000. This is 0.1 percentage points closer, compared to the last net worth update.

GBP 46,573 FIRE target: GBP 750,000


6.2%

FI portfolio

My FI portfolio now consists of GBP 14,072 (30.2%) in investments, GBP 32,045 (68.8%) in retirement accounts, and GBP 456 (1.0%) in cash.

Investments

Since my last update, my investments increased with GBP 135 (0.97%).

Since I started tracking, my total contributions have been GBP 10,775, and my total return has been GBP 3,520.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 581 (1.85%), of which GBP 413 was from contributions , and GBP -147 was from returns.

Since I started tracking, my total contributions have been GBP 24,716, and my total return is GBP 6,579.




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

If I quit working today, my monthly pay out would be GBP 155 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
155/month
(4.0% SWR)
135/month
(3.5% SWR)
116/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 139,860, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 563,567


Financial independence forecast