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Net worth update per


This is TrafficLightTree's #29 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 65,840 and my FI portfolio decreased to GBP 56,045


Net worth

GBP 65,840

Since the last update on my net worth has increased with GBP 13,408 (+ 25.57 %).

FI portfolio

GBP 56,045

Since the last update on my FI portfolio has decreased with GBP -3,606 ( -6.05 %).

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 20,051 -7,908 12,143
Investments 1,981 -40 1,941
Retirement acc 37,619 +4,342 41,961
Real estate 0 0 0
Other assets 1,050 + 9,750 10,800
Total assets 60,701 +6,144 66,845

Mortgage 0 0 0
Other debt 8,269 -7,264 1,005
Total debt 8,269 -7,264 1,005
Change
Cash 24,439 -12,296 12,143
Investments 0 +1,941 1,941
Retirement acc 30,167 +11,794 41,961
Real estate 0 0 0
Other assets 1,050 + 9,750 10,800
Total assets 55,656 +11,189 66,845

Mortgage 0 0 0
Other debt 9,467 -8,462 1,005
Total debt 9,467 -8,462 1,005
Change
Cash 13,279 -1,136 12,143
Investments 0 +1,941 1,941
Retirement acc 5,126 +36,835 41,961
Real estate 0 0 0
Other assets 1,673 + 9,127 10,800
Total assets 20,078 +46,767 66,845

Mortgage 0 0 0
Other debt 0 + 1,005 1,005
Total debt 0 + 1,005 1,005

I am now 7.0% on my way to achive my FIRE target of GBP 800,000. This is -0.5 percentage points closer, compared to the last net worth update.

GBP 56,045 FIRE target: GBP 800,000


7.0%

FI portfolio

My FI portfolio now consists of GBP 1,941 (3.5%) in investments, GBP 41,961 (74.9%) in retirement accounts, and GBP 12,143 (21.7%) in cash.

Investments

Since my last update, my investments decreased with GBP -40 (-2.02%).

Since I started tracking, my total contributions have been GBP 3,000, and my total return has been GBP -1,059.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,342 (11.54%), of which GBP 2,000 was from contributions , and GBP 2,342 was from returns.

Since I started tracking, my total contributions have been GBP 31,732, and my total return is GBP 5,103.




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

If I quit working today, my monthly pay out would be GBP 186 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
186/month
(4.0% SWR)
163/month
(3.5% SWR)
140/month
(3.0% SWR)


When can I retire?

FI date

My age

31

I am currently aiming to save/invest approximately GBP 8,000 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 6 years and 0 months, in , and at that time I will be 31 years old.

By that time I will have invested/saved another GBP 584,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 159,955


Financial independence forecast