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This is goal_oriented's #58 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 335,200 and my FI portfolio increased to CAD 282,600


Net worth

CAD 335,200

Since the last update on my net worth has increased with CAD 14,400 (+ 4.49 %).

FI portfolio

CAD 282,600

Since the last update on my FI portfolio has increased with CAD 14,400 (+ 5.37 %).

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 19,300 +1,800 21,100
Investments 122,100 +4,800 126,900
Retirement acc 126,800 +7,800 134,600
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 498,200 +14,400 512,600

Mortgage 177,400 0 177,400
Other debt 0 0 0
Total debt 177,400 0 177,400
Change
Cash 58,000 -36,900 21,100
Investments 127,500 -600 126,900
Retirement acc 110,300 +24,300 134,600
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 295,800 +216,800 512,600

Mortgage 0 177,400 177,400
Other debt 0 0 0
Total debt 0 177,400 177,400
Change
Cash 7,000 +14,100 21,100
Investments 35,000 +91,900 126,900
Retirement acc 60,000 +74,600 134,600
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +410,600 512,600

Mortgage 0 177,400 177,400
Other debt 0 0 0
Total debt 0 + 177,400 177,400

I am now 33.2% on my way to achive my FIRE target of CAD 850,000. This is 1.7 percentage points closer, compared to the last net worth update.

CAD 282,600 FIRE target: CAD 850,000


33.2%

FI portfolio

My FI portfolio now consists of CAD 126,900 (44.9%) in investments, CAD 134,600 (47.6%) in retirement accounts, and CAD 21,100 (7.5%) in cash.

Investments

Since my last update, my investments increased with CAD 4,800 (3.93%), 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 7,800 (6.15%), 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 942 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
942/month
(4.0% SWR)
824/month
(3.5% SWR)
706/month
(3.0% SWR)


When can I retire?

FI date

My age

36

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 5 years and 1 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another CAD 355,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 212,400


Financial independence forecast