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Net worth update per


This is goal_oriented's #30 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 220,600 and my FI portfolio increased to CAD 220,600


Net worth

CAD 220,600

Since the last update on my net worth has increased with CAD 8,800 (+ 4.15 %).

FI portfolio

CAD 220,600

Since the last update on my FI portfolio has increased with CAD 8,800 (+ 4.15 %).

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 +1,200 9,400
Investments 109,700 +2,600 112,300
Retirement acc 93,900 +5,000 98,900
Real estate 0 0 0
Other assets 0 0 0
Total assets 211,800 +8,800 220,600

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 8,200 +1,200 9,400
Investments 107,000 +5,300 112,300
Retirement acc 92,400 +6,500 98,900
Real estate 0 0 0
Other assets 0 0 0
Total assets 207,600 +13,000 220,600

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 7,000 +2,400 9,400
Investments 35,000 +77,300 112,300
Retirement acc 60,000 +38,900 98,900
Real estate 0 0 0
Other assets 0 0 0
Total assets 102,000 +118,600 220,600

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

I am now 15.8% on my way to achive my FIRE target of CAD 1,400,000. This is 0.6 percentage points closer, compared to the last net worth update.

CAD 220,600 FIRE target: CAD 1,400,000


15.8%

FI portfolio

My FI portfolio now consists of CAD 112,300 (50.9%) in investments, CAD 98,900 (44.8%) in retirement accounts, and CAD 9,400 (4.3%) in cash.

Investments

Since my last update, my investments increased with CAD 2,600 (2.37%).

Since I started tracking, my total contributions have been CAD 301,367, and my total return has been CAD 417,933.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 5,000 (5.32%), of which CAD 7,400 was from contributions , and CAD 1,500 was from returns.

Since I started tracking, my total contributions have been CAD 156,632, and my total return is CAD 89,668.




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

If I quit working today, my monthly pay out would be CAD 735 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
735/month
(4.0% SWR)
643/month
(3.5% SWR)
551/month
(3.0% SWR)


When can I retire?

FI date

My age

32

I am currently aiming to save/invest approximately CAD 22,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of CAD 1,400,000 in -1 years and -1 months, in , and at that time I will be 32 years old.

By that time I will have invested/saved another CAD 990,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 189,400


Financial independence forecast