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Net worth update per


This is goal_oriented's #100 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 797,300 and my FI portfolio decreased to CAD 797,300


Net worth

CAD 797,300

Since the last update on my net worth has decreased with CAD -27,500 ( -3.33 %).

FI portfolio

CAD 797,300

Since the last update on my FI portfolio has decreased with CAD -27,500 ( -3.33 %).

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 23,100 +30,300 53,400
Investments 557,900 -57,600 500,300
Retirement acc 243,800 -200 243,600
Real estate 0 0 0
Other assets 0 0 0
Total assets 824,800 -27,500 797,300

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 53,400 0 53,400
Investments 276,000 +224,300 500,300
Retirement acc 238,200 +5,400 243,600
Real estate 230,000 -230,000 0
Other assets 0 0 0
Total assets 797,600 -300 797,300

Mortgage 166,400 -166,400 0
Other debt 0 0 0
Total debt 166,400 -166,400 0
Change
Cash 7,000 +46,400 53,400
Investments 35,000 +465,300 500,300
Retirement acc 60,000 +183,600 243,600
Real estate 0 0 0
Other assets 0 0 0
Total assets 102,000 +695,300 797,300

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 93.8% on my way to achive my FIRE target of CAD 850,000. This is -3.2 percentage points closer, compared to the last net worth update.

CAD 797,300 FIRE target: CAD 850,000


93.8%

FI portfolio

My FI portfolio now consists of CAD 500,300 (62.7%) in investments, CAD 243,600 (30.6%) in retirement accounts, and CAD 53,400 (6.7%) in cash.

Investments

Since my last update, my investments decreased with CAD -57,600 (-10.32%).

Since I started tracking, my total contributions have been CAD 141,367, and my total return has been CAD 288,033.

Retirement accounts

Since my last update, my retirement accounts decreased with CAD -200 (-0.08%).

Since I started tracking, my total contributions have been CAD 126,832, and my total return is CAD 44,168.




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

If I quit working today, my monthly pay out would be CAD 2,657 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
2,657/month
(4.0% SWR)
2,325/month
(3.5% SWR)
1,993/month
(3.0% SWR)


When can I retire?

FI date

My age

33

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 0 years and 3 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another CAD 42,500, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 10,200


Financial independence forecast