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This is goal_oriented's #54 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 306,500 and my FI portfolio decreased to CAD 255,100


Net worth

CAD 306,500

Since the last update on my net worth has increased with CAD 100 (+ 0.03 %).

FI portfolio

CAD 255,100

Since the last update on my FI portfolio has decreased with CAD -100 ( -0.04 %).

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 19,600 +11,300 30,900
Investments 118,400 -6,100 112,300
Retirement acc 117,200 -5,300 111,900
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 485,200 -100 485,100

Mortgage 178,800 -200 178,600
Other debt 0 0 0
Total debt 178,800 -200 178,600
Change
Cash 58,000 -27,100 30,900
Investments 127,500 -15,200 112,300
Retirement acc 110,300 +1,600 111,900
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 295,800 +189,300 485,100

Mortgage 0 178,600 178,600
Other debt 0 0 0
Total debt 0 178,600 178,600
Change
Cash 7,000 +23,900 30,900
Investments 35,000 +77,300 112,300
Retirement acc 60,000 +51,900 111,900
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +383,100 485,100

Mortgage 0 178,600 178,600
Other debt 0 0 0
Total debt 0 + 178,600 178,600

I am now 30.0% on my way to achive my FIRE target of CAD 850,000. This is -0.0 percentage points closer, compared to the last net worth update.

CAD 255,100 FIRE target: CAD 850,000


30.0%

FI portfolio

My FI portfolio now consists of CAD 112,300 (44.0%) in investments, CAD 111,900 (43.9%) in retirement accounts, and CAD 30,900 (12.1%) in cash.

Investments

Since my last update, my investments decreased with CAD -6,100 (-5.15%).

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 decreased with CAD -5,300 (-4.52%).

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 850 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
850/month
(4.0% SWR)
744/month
(3.5% SWR)
637/month
(3.0% SWR)


When can I retire?

FI date

My age

34

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 11 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another CAD 442,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 152,900


Financial independence forecast