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This is goal_oriented's #69 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 364,800 and my FI portfolio decreased to CAD 309,900


Net worth

CAD 364,800

Since the last update on my net worth has decreased with CAD -3,900 ( -1.06 %).

FI portfolio

CAD 309,900

Since the last update on my FI portfolio has decreased with CAD -4,200 ( -1.34 %).

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 20,500 +400 20,900
Investments 145,400 -3,400 142,000
Retirement acc 148,200 -1,200 147,000
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 544,100 -4,200 539,900

Mortgage 175,400 -300 175,100
Other debt 0 0 0
Total debt 175,400 -300 175,100
Change
Cash 21,300 -400 20,900
Investments 141,400 +600 142,000
Retirement acc 137,300 +9,700 147,000
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 530,000 +9,900 539,900

Mortgage 176,200 -1,100 175,100
Other debt 0 0 0
Total debt 176,200 -1,100 175,100
Change
Cash 7,000 +13,900 20,900
Investments 35,000 +107,000 142,000
Retirement acc 60,000 +87,000 147,000
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +437,900 539,900

Mortgage 0 175,100 175,100
Other debt 0 0 0
Total debt 0 + 175,100 175,100

I am now 22.1% on my way to achive my FIRE target of CAD 1,400,000. This is -0.3 percentage points closer, compared to the last net worth update.

CAD 309,900 FIRE target: CAD 1,400,000


22.1%

FI portfolio

My FI portfolio now consists of CAD 142,000 (45.8%) in investments, CAD 147,000 (47.4%) in retirement accounts, and CAD 20,900 (6.7%) in cash.

Investments

Since my last update, my investments decreased with CAD -3,400 (-2.34%), of which CAD 6,900 was from contributions, and CAD 3,000 was from returns.

Since I started tracking, my total contributions have been CAD 224,267, and my total return has been CAD 322,833.

Retirement accounts

Since my last update, my retirement accounts decreased with CAD -1,200 (-0.81%).

Since I started tracking, my total contributions have been CAD 126,832, and my total return is CAD 57,168.




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

If I quit working today, my monthly pay out would be CAD 1,033 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,033/month
(4.0% SWR)
903/month
(3.5% SWR)
774/month
(3.0% SWR)


When can I retire?

FI date

My age

33

I am currently aiming to save/invest approximately CAD 25,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of CAD 1,400,000 in 0 years and 9 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another CAD 925,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 165,100


Financial independence forecast