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This is goal_oriented's #75 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 395,100 and my FI portfolio increased to CAD 338,700


Net worth

CAD 395,100

Since the last update on my net worth has increased with CAD 1,200 (+ 0.3 %).

FI portfolio

CAD 338,700

Since the last update on my FI portfolio has increased with CAD 1,000 (+ 0.3 %).

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 21,800 0 21,800
Investments 158,600 +1,000 159,600
Retirement acc 157,300 0 157,300
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 567,700 +1,000 568,700

Mortgage 173,800 -200 173,600
Other debt 0 0 0
Total debt 173,800 -200 173,600
Change
Cash 21,300 +500 21,800
Investments 141,400 +18,200 159,600
Retirement acc 137,300 +20,000 157,300
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 530,000 +38,700 568,700

Mortgage 176,200 -2,600 173,600
Other debt 0 0 0
Total debt 176,200 -2,600 173,600
Change
Cash 7,000 +14,800 21,800
Investments 35,000 +124,600 159,600
Retirement acc 60,000 +97,300 157,300
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +466,700 568,700

Mortgage 0 173,600 173,600
Other debt 0 0 0
Total debt 0 + 173,600 173,600

I am now 39.8% on my way to achive my FIRE target of CAD 850,000. This is 0.1 percentage points closer, compared to the last net worth update.

CAD 338,700 FIRE target: CAD 850,000


39.8%

FI portfolio

My FI portfolio now consists of CAD 159,600 (47.1%) in investments, CAD 157,300 (46.4%) in retirement accounts, and CAD 21,800 (6.4%) in cash.

Investments

Since my last update, my investments increased with CAD 1,000 (0.63%).

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 0 (0.0%).

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 1,129 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,129/month
(4.0% SWR)
987/month
(3.5% SWR)
846/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 2 years and 2 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another CAD 374,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 137,300


Financial independence forecast