January 2021 update ($695,708 +$11,410 or +%1.7)

↑ Financial independence savings for last month $2,000
↑ Emerging Markets Stock Index Fund is up by $6,661 or +4.3%
↑ US 500 Stock Index Fund is up by $722 or +0.4%
↑ Global Small Cap Index is up by $3,508 or +2.5%
↑ Fidelity Growth Fund is up by $1,385 or +2.2%
↑ GBP is up to USD by $940 or 1.5% for my portfolio
Grand total additions: $15,216 USD

↓ Eurozone Stock Index Fund is down by $1,394 or -1.0%
↓ EUR is down to USD by $2,456 or -0.8% for my portfolio
Total losses: $3,850

Observations:
The investments are steady. Almost touching symbolical figure of $700K. Assuming 24 years before retirement at 3% inflation adjusted growth, the money will double without any additional investments.  With additional investments maybe I can reach $2,000K in today’s money in 24 years.
 
So-called high-yield bonds in the USA fell to 3.9 percent, the inflation in 2020 was about 1%.  In 2013 Microsoft raised 10-year coupon at 3.63, it was rated as triple A. It was not considered a high yield back then.   In 2008 yields reached 6.8 per cent. If US economy takes off this year, rising interest rates will erode the value of today’s low coupon bonds.
 
Additional risk is inflation. Western banks printed $6.6tn to support the financial markets since March 2020. Current market evaluation includes expectation of additional $5.8tn. Even US dominated IMF has to double its inflation forecast expectations to 1.6%, which is real word means at least 2-3%. 
 
The same governments still have refused to fight homeless and child poverty  for decades and still do so.