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Net worth update per


This is goal_oriented's #47 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 306,200 and my FI portfolio increased to CAD 306,200


Net worth

CAD 306,200

Since the last update on my net worth has increased with CAD 4,800 (+ 1.59 %).

FI portfolio

CAD 306,200

Since the last update on my FI portfolio has increased with CAD 4,800 (+ 1.59 %).

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 CAD.
Change
Cash 56,000 +2,900 58,900
Investments 130,300 +400 130,700
Retirement acc 115,100 +1,500 116,600
Real estate 0 0 0
Other assets 0 0 0
Total assets 301,400 +4,800 306,200

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 58,000 +900 58,900
Investments 127,500 +3,200 130,700
Retirement acc 110,300 +6,300 116,600
Real estate 0 0 0
Other assets 0 0 0
Total assets 295,800 +10,400 306,200

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 7,000 +51,900 58,900
Investments 35,000 +95,700 130,700
Retirement acc 60,000 +56,600 116,600
Real estate 0 0 0
Other assets 0 0 0
Total assets 102,000 +204,200 306,200

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 36.0% on my way to achive my FIRE target of CAD 850,000. This is 0.6 percentage points closer, compared to the last net worth update.

CAD 306,200 FIRE target: CAD 850,000


36.0%

FI portfolio

My FI portfolio now consists of CAD 130,700 (42.7%) in investments, CAD 116,600 (38.1%) in retirement accounts, and CAD 58,900 (19.2%) in cash.

Investments

Since my last update, my investments increased with CAD 400 (0.31%).

Since I started tracking, my total contributions have been CAD 141,367, and my total return has been CAD 99,633.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 1,500 (1.3%).

Since I started tracking, my total contributions have been CAD 126,832, and my total return is CAD 51,368.




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

If I quit working today, my monthly pay out would be CAD 1,020 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,020/month
(4.0% SWR)
893/month
(3.5% SWR)
765/month
(3.0% SWR)


When can I retire?

FI date

My age

33

I am currently aiming to save/invest approximately CAD 8,500 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of CAD 850,000 in 1 years and 2 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another CAD 408,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 135,800


Financial independence forecast