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This is goal_oriented's #66 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 344,500 and my FI portfolio decreased to CAD 290,300


Net worth

CAD 344,500

Since the last update on my net worth has decreased with CAD -9,300 ( -2.63 %).

FI portfolio

CAD 290,300

Since the last update on my FI portfolio has decreased with CAD -9,700 ( -3.23 %).

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 21,300 +1,400 22,700
Investments 141,400 -6,800 134,600
Retirement acc 137,300 -4,300 133,000
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 530,000 -9,700 520,300

Mortgage 176,200 -400 175,800
Other debt 0 0 0
Total debt 176,200 -400 175,800
Change
Cash 21,300 +1,400 22,700
Investments 141,400 -6,800 134,600
Retirement acc 137,300 -4,300 133,000
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 530,000 -9,700 520,300

Mortgage 176,200 -400 175,800
Other debt 0 0 0
Total debt 176,200 -400 175,800
Change
Cash 7,000 +15,700 22,700
Investments 35,000 +99,600 134,600
Retirement acc 60,000 +73,000 133,000
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +418,300 520,300

Mortgage 0 175,800 175,800
Other debt 0 0 0
Total debt 0 + 175,800 175,800

I am now 34.2% 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 290,300 FIRE target: CAD 850,000


34.2%

FI portfolio

My FI portfolio now consists of CAD 134,600 (46.4%) in investments, CAD 133,000 (45.8%) in retirement accounts, and CAD 22,700 (7.8%) in cash.

Investments

Since my last update, my investments decreased with CAD -6,800 (-4.81%), 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 decreased with CAD -4,300 (-3.13%), 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 967 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
967/month
(4.0% SWR)
846/month
(3.5% SWR)
725/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 3 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another CAD 345,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 214,700


Financial independence forecast