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This is goal_oriented's #44 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 295,800 and my FI portfolio decreased to CAD 295,800


Net worth

CAD 295,800

Since the last update on my net worth has decreased with CAD -6,100 ( -2.02 %).

FI portfolio

CAD 295,800

Since the last update on my FI portfolio has decreased with CAD -6,100 ( -2.02 %).

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 34.8% on my way to achive my FIRE target of CAD 850,000. This is -0.7 percentage points closer, compared to the last net worth update.

CAD 295,800 FIRE target: CAD 850,000


34.8%


FI portfolio


My FI portfolio now consists of CAD 127,500 (43.1%) in investments, CAD 110,300 (37.3%) in retirement accounts, and CAD 58,000 (19.6%) in cash.

Investments

Since my last update, my investments decreased with CAD -3,700 (-2.82%), of which CAD 11,800 was from contributions, and CAD 7,400 was from returns.

Since I started tracking, my total contributions have been CAD 133,567, and my total return has been CAD 82,433.

Retirement accounts

Since my last update, my retirement accounts decreased with CAD -4,900 (-4.25%), of which CAD 2,250 was from contributions , and CAD 11,350 was from returns.

Since I started tracking, my total contributions have been CAD 124,582, and my total return is CAD 38,218.




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


If I quit working today, my monthly pay out would be CAD 986 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
986/month
(4.0% SWR)
862/month
(3.5% SWR)
739/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 6 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another CAD 416,500, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 137,700


Financial independence forecast