2025 is coming to an end, and in the previous post I already did a summary, so in this one I want to set myself a goal for the end of 2026.<\/p>\n\n\n\n
As I mentioned before, my ISA is currently at around \u00a313,000, so I expect it to grow by about 10%, which is roughly \u00a31,300.<\/p>\n\n\n\n
On top of that, I invest \u00a3300 per month, and from October I plan to increase this to \u00a3350, which gives:<\/p>\n\n\n\n
10 \u00d7 \u00a3300 + 2 \u00d7 \u00a3350 = \u00a33,700<\/p>\n\n\n\n
Additionally, I\u2019ll be investing as much \u201cpocket money\u201d as possible. I assume \u00a325 per week, so:<\/p>\n\n\n\n
52 \u00d7 \u00a325 = \u00a31,300<\/p>\n\n\n\n
Let\u2019s add it all up:<\/p>\n\n\n\n
\u00a313,000 + \u00a31,300 + \u00a33,700 + \u00a31,300 = \u00a319,300!!!<\/p>\n\n\n\n
Almost \u00a320,000!<\/p>\n\n\n\n
I think that if I tighten my belt a bit, \u00a320,000 by the end of the year is totally achievable. Especially since we have some budgeted expenses that don\u2019t always happen \u2014 and when they don\u2019t, that money can easily go straight into investments.<\/p>\n\n\n\n
When it comes to my workplace pension, the situation looks like this: every week, apart from my voluntary contribution, the company I work for also adds their part. Altogether, including tax relief, it comes to around \u00a3200 per week.<\/p>\n\n\n\n
So:<\/p>\n\n\n\n
52 \u00d7 \u00a3200 = \u00a310,400<\/p>\n\n\n\n
Currently, the pension pot stands at \u00a352,180.<\/p>\n\n\n\n
Adding 7% growth, after one year it should be around \u00a355,830.<\/p>\n\n\n\n
That gives a total of:<\/p>\n\n\n\n
\u00a366,230<\/p>\n\n\n\n
Combined ISA + workplace pension by the end of 2026 should be roughly:<\/p>\n\n\n\n
\u00a386,230<\/p>\n\n\n\n
Wise books say that you should set goals higher than what you believe you can achieve \u2014so my goal for the end of 2026 is:<\/p>\n\n\n\n
\ud83d\udc49 \u00a3100,000<\/p>\n\n\n\n
Finally, I wish all of you all the best in planning your own journey to financial independence.Whether you\u2019re just starting out or already well on your way, stay consistent, stay patient, and keep moving forward \u2014 your future self will thank you.<\/p>\n","protected":false},"excerpt":{"rendered":"
2025 is coming to an end, and in the previous post I already did a summary, so in this one I want to set myself a goal for the end of 2026. As I mentioned before, my ISA is currently at around \u00a313,000, so I expect it to grow by about 10%, which is roughly […]<\/p>\n","protected":false},"author":1,"featured_media":201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[70,8,7],"class_list":["post-199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-2026-goals","tag-financial-freedom","tag-financial-independence"],"_links":{"self":[{"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/posts\/199","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/comments?post=199"}],"version-history":[{"count":1,"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/posts\/199\/revisions"}],"predecessor-version":[{"id":200,"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/posts\/199\/revisions\/200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/media\/201"}],"wp:attachment":[{"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/media?parent=199"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/categories?post=199"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.daystofi.com\/index.php\/wp-json\/wp\/v2\/tags?post=199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}