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This is goal_oriented's #61 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 314,313 and my FI portfolio decreased to CAD 261,413


Net worth

CAD 314,313

Since the last update on my net worth has decreased with CAD -6,587 ( -2.05 %).

FI portfolio

CAD 261,413

Since the last update on my FI portfolio has decreased with CAD -6,787 ( -2.53 %).

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 20,100 +1,300 21,400
Investments 123,600 -4,187 119,413
Retirement acc 124,500 -3,900 120,600
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 498,200 -6,787 491,413

Mortgage 177,300 -200 177,100
Other debt 0 0 0
Total debt 177,300 -200 177,100
Change
Cash 58,000 -36,600 21,400
Investments 127,500 -8,087 119,413
Retirement acc 110,300 +10,300 120,600
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 295,800 +195,613 491,413

Mortgage 0 177,100 177,100
Other debt 0 0 0
Total debt 0 177,100 177,100
Change
Cash 7,000 +14,400 21,400
Investments 35,000 +84,413 119,413
Retirement acc 60,000 +60,600 120,600
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +389,413 491,413

Mortgage 0 177,100 177,100
Other debt 0 0 0
Total debt 0 + 177,100 177,100

I am now 30.8% on my way to achive my FIRE target of CAD 850,000. This is -0.8 percentage points closer, compared to the last net worth update.

CAD 261,413 FIRE target: CAD 850,000


30.8%

FI portfolio

My FI portfolio now consists of CAD 119,413 (45.7%) in investments, CAD 120,600 (46.1%) in retirement accounts, and CAD 21,400 (8.2%) in cash.

Investments

Since my last update, my investments decreased with CAD -4,187 (-3.39%), of which CAD 6,100 was from contributions, and CAD -1,800 was from returns.

Since I started tracking, my total contributions have been CAD 115,767, and my total return has been CAD 76,833.

Retirement accounts

Since my last update, my retirement accounts decreased with CAD -3,900 (-3.13%).

Since I started tracking, my total contributions have been CAD 120,082, and my total return is CAD 28,718.




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

If I quit working today, my monthly pay out would be CAD 871 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
871/month
(4.0% SWR)
762/month
(3.5% SWR)
653/month
(3.0% SWR)


When can I retire?

FI date

My age

34

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 2 years and 8 months, in , and at that time I will be 34 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 155,087


Financial independence forecast