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This is goal_oriented's #84 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 419,200 and my FI portfolio increased to CAD 360,800


Net worth

CAD 419,200

Since the last update on my net worth has increased with CAD 3,600 (+ 0.87 %).

FI portfolio

CAD 360,800

Since the last update on my FI portfolio has increased with CAD 3,400 (+ 0.95 %).

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 28,200 -300 27,900
Investments 166,600 +3,100 169,700
Retirement acc 162,600 +600 163,200
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 587,400 +3,400 590,800

Mortgage 171,800 -200 171,600
Other debt 0 0 0
Total debt 171,800 -200 171,600
Change
Cash 21,300 +6,600 27,900
Investments 141,400 +28,300 169,700
Retirement acc 137,300 +25,900 163,200
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 530,000 +60,800 590,800

Mortgage 176,200 -4,600 171,600
Other debt 0 0 0
Total debt 176,200 -4,600 171,600
Change
Cash 7,000 +20,900 27,900
Investments 35,000 +134,700 169,700
Retirement acc 60,000 +103,200 163,200
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +488,800 590,800

Mortgage 0 171,600 171,600
Other debt 0 0 0
Total debt 0 + 171,600 171,600

I am now 42.4% on my way to achive my FIRE target of CAD 850,000. This is 0.4 percentage points closer, compared to the last net worth update.

CAD 360,800 FIRE target: CAD 850,000


42.4%

FI portfolio

My FI portfolio now consists of CAD 169,700 (47.0%) in investments, CAD 163,200 (45.2%) in retirement accounts, and CAD 27,900 (7.7%) in cash.

Investments

Since my last update, my investments increased with CAD 3,100 (1.86%).

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 600 (0.37%).

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 1,202 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,202/month
(4.0% SWR)
1,052/month
(3.5% SWR)
902/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 5 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another CAD 357,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 132,200


Financial independence forecast