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This is goal_oriented's #38 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 269,200 and my FI portfolio increased to CAD 269,200


Net worth

CAD 269,200

Since the last update on my net worth has increased with CAD 9,000 (+ 3.46 %).

FI portfolio

CAD 269,200

Since the last update on my FI portfolio has increased with CAD 9,000 (+ 3.46 %).

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.

I am now 31.7% on my way to achive my FIRE target of CAD 850,000. This is 1.1 percentage points closer, compared to the last net worth update.

CAD 269,200 FIRE target: CAD 850,000


31.7%


FI portfolio


My FI portfolio now consists of CAD 124,400 (46.2%) in investments, CAD 102,000 (37.9%) in retirement accounts, and CAD 42,800 (15.9%) in cash.

Investments

Since my last update, my investments increased with CAD 3,300 (2.73%), of which CAD 5,500 was from contributions, and CAD 6,000 was from returns.

Since I started tracking, my total contributions have been CAD 109,667, and my total return has been CAD 62,133.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 1,800 (1.8%), of which CAD 2,250 was from contributions , and CAD 3,450 was from returns.

Since I started tracking, my total contributions have been CAD 120,082, and my total return is CAD 23,618.




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


If I quit working today, my monthly pay out would be CAD 897 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
897/month
(4.0% SWR)
785/month
(3.5% SWR)
673/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 8 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another CAD 433,500, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 147,300


Financial independence forecast