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Net worth update per


This is beecho01's #78 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 53,748 and my FI portfolio decreased to GBP 41,308


Net worth

GBP 53,748

Since the last update on my net worth has increased with GBP 20,023 (+ 59.37 %).

FI portfolio

GBP 41,308

Since the last update on my FI portfolio has decreased with GBP -7,668 ( -15.66 %).

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 728 -489 239
Investments 14,295 -7,399 6,896
Retirement acc 33,953 +220 34,173
Real estate 0 + 95,000 95,000
Other assets 108 + 217 325
Total assets 49,084 +87,549 136,633

Mortgage 0 82,885 82,885
Other debt 15,359 -15,359 0
Total debt 15,359 67,526 82,885
Change
Cash 3 +236 239
Investments 14,374 -7,478 6,896
Retirement acc 33,687 +486 34,173
Real estate 0 + 95,000 95,000
Other assets 108 + 217 325
Total assets 48,172 +88,461 136,633

Mortgage 0 82,885 82,885
Other debt 16,203 -16,203 0
Total debt 16,203 66,682 82,885
Change
Cash 0 +239 239
Investments 0 +6,896 6,896
Retirement acc 2,658 +31,515 34,173
Real estate 0 + 95,000 95,000
Other assets 0 + 325 325
Total assets 2,658 +133,975 136,633

Mortgage 0 82,885 82,885
Other debt 7,877 -7,877 0
Total debt 7,877 + 75,008 82,885

I am now 5.5% on my way to achive my FIRE target of GBP 750,000. This is -1.0 percentage points closer, compared to the last net worth update.

GBP 41,308 FIRE target: GBP 750,000


5.5%

FI portfolio

My FI portfolio now consists of GBP 6,896 (16.7%) in investments, GBP 34,173 (82.7%) in retirement accounts, and GBP 239 (0.6%) in cash.

Investments

Since my last update, my investments decreased with GBP -7,399 (-51.76%).

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 increased with GBP 220 (0.65%), 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 137 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
137/month
(4.0% SWR)
120/month
(3.5% SWR)
103/month
(3.0% SWR)


When can I retire?

FI date

My age

59

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 28 years and 3 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another GBP 143,220, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 565,472


Financial independence forecast