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This is goal_oriented's #121 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 1,022,400 and my FI portfolio increased to CAD 1,022,400


Net worth

CAD 1,022,400

Since the last update on my net worth has increased with CAD 39,100 (+ 3.98 %).

FI portfolio

CAD 1,022,400

Since the last update on my FI portfolio has increased with CAD 39,100 (+ 3.98 %).

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 43,800 +1,700 45,500
Investments 679,700 +29,200 708,900
Retirement acc 259,800 +8,200 268,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 983,300 +39,100 1,022,400

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 53,400 -7,900 45,500
Investments 276,000 +432,900 708,900
Retirement acc 238,200 +29,800 268,000
Real estate 230,000 -230,000 0
Other assets 0 0 0
Total assets 797,600 +224,800 1,022,400

Mortgage 166,400 -166,400 0
Other debt 0 0 0
Total debt 166,400 -166,400 0
Change
Cash 7,000 +38,500 45,500
Investments 35,000 +673,900 708,900
Retirement acc 60,000 +208,000 268,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 102,000 +920,400 1,022,400

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

I am now 73.0% on my way to achive my FIRE target of CAD 1,400,000. This is 2.8 percentage points closer, compared to the last net worth update.

CAD 1,022,400 FIRE target: CAD 1,400,000


73.0%

FI portfolio

My FI portfolio now consists of CAD 708,900 (69.3%) in investments, CAD 268,000 (26.2%) in retirement accounts, and CAD 45,500 (4.5%) in cash.

Investments

Since my last update, my investments increased with CAD 29,200 (4.3%), of which CAD 6,600 was from contributions, and CAD 22,600 was from returns.

Since I started tracking, my total contributions have been CAD 281,067, and my total return has been CAD 392,833.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 8,200 (3.16%).

Since I started tracking, my total contributions have been CAD 126,832, and my total return is CAD 81,168.




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

If I quit working today, my monthly pay out would be CAD 3,408 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
3,408/month
(4.0% SWR)
2,982/month
(3.5% SWR)
2,556/month
(3.0% SWR)


When can I retire?

FI date

My age

34

I am currently aiming to save/invest approximately CAD 22,000 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 1 years and 1 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another CAD 308,000, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 69,600


Financial independence forecast