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Net worth update per


This is TrafficLightTree's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 46,189 and my FI portfolio increased to GBP 54,606


Net worth

GBP 46,189

Since the last update on my net worth has increased with GBP 874 (+ 1.93 %).

FI portfolio

GBP 54,606

Since the last update on my FI portfolio has increased with GBP 1,953 (+ 3.71 %).

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 22,780 +1,659 24,439
Investments 0 0 0
Retirement acc 29,873 +294 30,167
Real estate 0 0 0
Other assets 1,995 -945 1,050
Total assets 54,648 +1,008 55,656

Mortgage 0 0 0
Other debt 9,333 + 134 9,467
Total debt 9,333 + 134 9,467
Change
Cash 13,121 +11,318 24,439
Investments 0 0 0
Retirement acc 11,735 +18,432 30,167
Real estate 0 0 0
Other assets 1,673 -623 1,050
Total assets 26,529 +29,127 55,656

Mortgage 0 0 0
Other debt 1,247 + 8,220 9,467
Total debt 1,247 + 8,220 9,467
Change
Cash 13,279 +11,160 24,439
Investments 0 0 0
Retirement acc 5,126 +25,041 30,167
Real estate 0 0 0
Other assets 1,673 -623 1,050
Total assets 20,078 +35,578 55,656

Mortgage 0 0 0
Other debt 0 + 9,467 9,467
Total debt 0 + 9,467 9,467

I am now 6.8% on my way to achive my FIRE target of GBP 800,000. This is 0.2 percentage points closer, compared to the last net worth update.

GBP 54,606 FIRE target: GBP 800,000


6.8%

FI portfolio

My FI portfolio now consists of GBP 30,167 (55.2%) in retirement accounts, and GBP 24,439 (44.8%) 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 294 (0.98%), 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 182 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
182/month
(4.0% SWR)
159/month
(3.5% SWR)
136/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 5 years and 2 months, in , and at that time I will be 30 years old.

By that time I will have invested/saved another GBP 603,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 142,394


Financial independence forecast