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This is goal_oriented's #70 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 364,900 and my FI portfolio decreased to CAD 309,800


Net worth

CAD 364,900

Since the last update on my net worth has increased with CAD 100 (+ 0.03 %).

FI portfolio

CAD 309,800

Since the last update on my FI portfolio has decreased with CAD -100 ( -0.03 %).

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 20,900 +100 21,000
Investments 142,000 +100 142,100
Retirement acc 147,000 -300 146,700
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 539,900 -100 539,800

Mortgage 175,100 -200 174,900
Other debt 0 0 0
Total debt 175,100 -200 174,900
Change
Cash 21,300 -300 21,000
Investments 141,400 +700 142,100
Retirement acc 137,300 +9,400 146,700
Real estate 230,000 0 230,000
Other assets 0 0 0
Total assets 530,000 +9,800 539,800

Mortgage 176,200 -1,300 174,900
Other debt 0 0 0
Total debt 176,200 -1,300 174,900
Change
Cash 7,000 +14,000 21,000
Investments 35,000 +107,100 142,100
Retirement acc 60,000 +86,700 146,700
Real estate 0 + 230,000 230,000
Other assets 0 0 0
Total assets 102,000 +437,800 539,800

Mortgage 0 174,900 174,900
Other debt 0 0 0
Total debt 0 + 174,900 174,900

I am now 36.4% on my way to achive my FIRE target of CAD 850,000. This is -0.0 percentage points closer, compared to the last net worth update.

CAD 309,800 FIRE target: CAD 850,000


36.4%

FI portfolio

My FI portfolio now consists of CAD 142,100 (45.9%) in investments, CAD 146,700 (47.4%) in retirement accounts, and CAD 21,000 (6.8%) in cash.

Investments

Since my last update, my investments increased with CAD 100 (0.07%), 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 -300 (-0.2%).

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 1,032 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,032/month
(4.0% SWR)
903/month
(3.5% SWR)
774/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 9 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another CAD 399,500, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 140,700


Financial independence forecast