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Net worth update per


This is TrafficLightTree's #44 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 212,529 and my FI portfolio increased to GBP 212,613


Net worth

GBP 212,529

Since the last update on my net worth has increased with GBP 17,400 (+ 8.92 %).

FI portfolio

GBP 212,613

Since the last update on my FI portfolio has increased with GBP 17,229 (+ 8.82 %).

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 13,901 -5,864 8,037
Investments 35,535 +7,382 42,917
Retirement acc 145,948 +15,711 161,659
Real estate 0 0 0
Other assets 0 0 0
Total assets 195,384 +17,229 212,613

Mortgage 0 0 0
Other debt 255 -171 84
Total debt 255 -171 84
Change
Cash 15,712 -7,675 8,037
Investments 10,234 +32,683 42,917
Retirement acc 99,767 +61,892 161,659
Real estate 0 0 0
Other assets 0 0 0
Total assets 125,713 +86,900 212,613

Mortgage 0 0 0
Other debt 285 -201 84
Total debt 285 -201 84
Change
Cash 13,279 -5,242 8,037
Investments 0 +42,917 42,917
Retirement acc 5,126 +156,533 161,659
Real estate 0 0 0
Other assets 1,673 -1,673 0
Total assets 20,078 +192,535 212,613

Mortgage 0 0 0
Other debt 0 + 84 84
Total debt 0 + 84 84

I am now 26.6% on my way to achive my FIRE target of GBP 800,000. This is 2.2 percentage points closer, compared to the last net worth update.

GBP 212,613 FIRE target: GBP 800,000


26.6%

FI portfolio

My FI portfolio now consists of GBP 42,917 (20.2%) in investments, GBP 161,659 (76.0%) in retirement accounts, and GBP 8,037 (3.8%) in cash.

Investments

Since my last update, my investments increased with GBP 7,382 (20.77%), of which GBP 5,000 was from contributions, and GBP 2,382 was from returns.

Since I started tracking, my total contributions have been GBP 42,650, and my total return has been GBP 267.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 15,711 (10.76%), of which GBP 11,495 was from contributions , and GBP 4,216 was from returns.

Since I started tracking, my total contributions have been GBP 124,820, and my total return is GBP 31,713.




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

If I quit working today, my monthly pay out would be GBP 708 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
708/month
(4.0% SWR)
620/month
(3.5% SWR)
531/month
(3.0% SWR)


When can I retire?

FI date

My age

31

I am currently aiming to save/invest approximately GBP 7,500 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 4 years and 8 months, in , and at that time I will be 31 years old.

By that time I will have invested/saved another GBP 427,500, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 159,887


Financial independence forecast