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This is goal_oriented's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 158,300 and my FI portfolio increased to CAD 158,300


Net worth

CAD 158,300

Since the last update on my net worth has increased with CAD 10,700 (+ 7.25 %).

FI portfolio

CAD 158,300

Since the last update on my FI portfolio has increased with CAD 10,700 (+ 7.25 %).

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 8,200 0 8,200
Investments 59,700 +8,900 68,600
Retirement acc 79,700 +1,800 81,500
Real estate 0 0 0
Other assets 0 0 0
Total assets 147,600 +10,700 158,300

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 8,000 +200 8,200
Investments 53,200 +15,400 68,600
Retirement acc 72,300 +9,200 81,500
Real estate 0 0 0
Other assets 0 0 0
Total assets 133,500 +24,800 158,300

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 7,000 +1,200 8,200
Investments 35,000 +33,600 68,600
Retirement acc 60,000 +21,500 81,500
Real estate 0 0 0
Other assets 0 0 0
Total assets 102,000 +56,300 158,300

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

I am now 18.6% on my way to achive my FIRE target of CAD 850,000. This is 1.3 percentage points closer, compared to the last net worth update.

CAD 158,300 FIRE target: CAD 850,000


18.6%

FI portfolio

My FI portfolio now consists of CAD 68,600 (43.3%) in investments, CAD 81,500 (51.5%) in retirement accounts, and CAD 8,200 (5.2%) in cash.

Investments

Since my last update, my investments increased with CAD 8,900 (14.91%), of which CAD 6,100 was from contributions, and CAD -1,800 was from returns.

Since I started tracking, my total contributions have been CAD 115,767, and my total return has been CAD 76,833.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 1,800 (2.26%).

Since I started tracking, my total contributions have been CAD 120,082, and my total return is CAD 28,718.




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

If I quit working today, my monthly pay out would be CAD 527 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
527/month
(4.0% SWR)
461/month
(3.5% SWR)
395/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 5 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another CAD 527,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 164,700


Financial independence forecast