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Net worth update per


This is TrafficLightTree's #31 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 82,252 and my FI portfolio increased to GBP 71,671


Net worth

GBP 82,252

Since the last update on my net worth has increased with GBP 12,260 (+ 17.52 %).

FI portfolio

GBP 71,671

Since the last update on my FI portfolio has increased with GBP 1,364 (+ 1.94 %).

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 14,177 -3,874 10,303
Investments 2,611 +679 3,290
Retirement acc 53,519 +4,559 58,078
Real estate 0 0 0
Other assets 1,050 + 9,750 10,800
Total assets 71,357 +11,114 82,471

Mortgage 0 0 0
Other debt 1,365 -1,146 219
Total debt 1,365 -1,146 219
Change
Cash 24,439 -14,136 10,303
Investments 0 +3,290 3,290
Retirement acc 30,167 +27,911 58,078
Real estate 0 0 0
Other assets 1,050 + 9,750 10,800
Total assets 55,656 +26,815 82,471

Mortgage 0 0 0
Other debt 9,467 -9,248 219
Total debt 9,467 -9,248 219
Change
Cash 13,279 -2,976 10,303
Investments 0 +3,290 3,290
Retirement acc 5,126 +52,952 58,078
Real estate 0 0 0
Other assets 1,673 + 9,127 10,800
Total assets 20,078 +62,393 82,471

Mortgage 0 0 0
Other debt 0 + 219 219
Total debt 0 + 219 219

I am now 9.0% 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 71,671 FIRE target: GBP 800,000


9.0%

FI portfolio

My FI portfolio now consists of GBP 3,290 (4.6%) in investments, GBP 58,078 (81.0%) in retirement accounts, and GBP 10,303 (14.4%) in cash.

Investments

Since my last update, my investments increased with GBP 679 (26.01%).

Since I started tracking, my total contributions have been GBP 3,000, and my total return has been GBP 290.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,559 (8.52%), of which GBP 1,250 was from contributions , and GBP 3,309 was from returns.

Since I started tracking, my total contributions have been GBP 44,038, and my total return is GBP 8,914.




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

If I quit working today, my monthly pay out would be GBP 238 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
238/month
(4.0% SWR)
209/month
(3.5% SWR)
179/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 5 years and 10 months, in , and at that time I will be 31 years old.

By that time I will have invested/saved another GBP 568,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 160,329


Financial independence forecast