Net worth update per



This is my #57 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 320,800 and my FI portfolio increased to CAD 268,200


Net worth

CAD 320,800

Since the last update on my net worth has increased with CAD 6,200 (+ 1.97 %).

FI portfolio

CAD 268,200

Since the last update on my FI portfolio has increased with CAD 5,800 (+ 2.21 %).

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 31.6% 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 268,200 FIRE target: CAD 850,000


31.6%


FI portfolio


My FI portfolio now consists of CAD 122,100 (45.5%) in investments, CAD 126,800 (47.3%) in retirement accounts, and CAD 19,300 (7.2%) in cash.

Investments

Since my last update, my investments increased with CAD 5,800 (4.99%), of which CAD 1,300 was from contributions, and CAD 4,500 was from returns.

Since I started tracking, my total contributions have been CAD 57,490, and my total return has been CAD 29,610.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 5,400 (4.45%), of which CAD 1,950 was from contributions , and CAD 3,450 was from returns.

Since I started tracking, my total contributions have been CAD 67,982, and my total return is CAD -1,182.




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


If I quit working today, my monthly pay out would be CAD 894 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
894/month
(4.0% SWR)
782/month
(3.5% SWR)
670/month
(3.0% SWR)


When can I retire?


FI date


My age

35

I am currently aiming to save/invest approximately CAD 6,100 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 5 years and 3 months, in , and at that time I will be 35 years old.

By that time I will have invested/saved another CAD 390,400, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 191,400


Financial independence forecast