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Net worth update per


This is goal_oriented's #33 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 221,800 and my FI portfolio increased to CAD 221,800


Net worth

CAD 221,800

Since the last update on my net worth has increased with CAD 14,900 (+ 7.2 %).

FI portfolio

CAD 221,800

Since the last update on my FI portfolio has increased with CAD 14,900 (+ 7.2 %).

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 13,600 +2,600 16,200
Investments 113,800 +1,100 114,900
Retirement acc 79,500 +11,200 90,700
Real estate 0 0 0
Other assets 0 0 0
Total assets 206,900 +14,900 221,800

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 8,200 +8,000 16,200
Investments 107,000 +7,900 114,900
Retirement acc 92,400 -1,700 90,700
Real estate 0 0 0
Other assets 0 0 0
Total assets 207,600 +14,200 221,800

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 7,000 +9,200 16,200
Investments 35,000 +79,900 114,900
Retirement acc 60,000 +30,700 90,700
Real estate 0 0 0
Other assets 0 0 0
Total assets 102,000 +119,800 221,800

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

I am now 26.1% on my way to achive my FIRE target of CAD 850,000. This is 1.8 percentage points closer, compared to the last net worth update.

CAD 221,800 FIRE target: CAD 850,000


26.1%

FI portfolio

My FI portfolio now consists of CAD 114,900 (51.8%) in investments, CAD 90,700 (40.9%) in retirement accounts, and CAD 16,200 (7.3%) in cash.

Investments

Since my last update, my investments increased with CAD 1,100 (0.97%), of which CAD 2,300 was from contributions, and CAD -1,300 was from returns.

Since I started tracking, my total contributions have been CAD 88,290, and my total return has been CAD 36,310.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 11,200 (14.09%), of which CAD 950 was from contributions , and CAD -950 was from returns.

Since I started tracking, my total contributions have been CAD 94,632, and my total return is CAD 2,668.




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

If I quit working today, my monthly pay out would be CAD 739 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
739/month
(4.0% SWR)
646/month
(3.5% SWR)
554/month
(3.0% SWR)


When can I retire?

FI date

My age

35

I am currently aiming to save/invest approximately CAD 5,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of CAD 850,000 in 4 years and 5 months, in , and at that time I will be 35 years old.

By that time I will have invested/saved another CAD 400,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 228,200


Financial independence forecast