Am I on track to reach my goal? - Page 5
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Thread: Am I on track to reach my goal?

  1. #41
    Senior Member
    Join Date
    Nov 2014
    Posts
    390
    Here is the Q1, 2016 net worth update. $6k savings in the first three months is way less of a saving than my expectations.

    Net Worth -

    2015 - $276k
    Q1, 2016 - $282k (around 2% gain)

    Expenses -

    The average monthly expenses is around $1,500 in Q1, 2016. But it will increase during Summer and Fall. Moreover, this expense does not include monthly expenses of $600 that I provide to my parents.

    Passive Income (Dividend & Interest) -

    2015 - $4,650
    Q1, 2016 - $1,400 (Way better than Q1 of 2015)

    Asset Allocation -

    Fixed Income - 24%
    Equity - 62%
    REIT - 14%

    I will be happy if I could reach to my net worth of $325k at the end of 2016.


  2. #42
    Senior Member
    Join Date
    Nov 2014
    Posts
    390
    Here is the Q2, 2016 net worth update. $28k savings/gain in between Apr-Jun, 2016.

    Net Worth -

    2015 - $276k
    Q1, 2016 - $282k
    Q2, 2016 - $310k (around 9% gain)

    Expenses -

    The average monthly expenses is around $1,575 in the first half of 2016. But it will increase during Summer and Fall. Moreover, this expense does not include monthly expenses of $600 that I provide to my parents.

    Passive Income (Dividend & Interest) -

    2015 - $4,650
    Q1, 2016 - $1,400
    Q2, 2016 - $3,350

    Asset Allocation -

    Fixed Income - 33%
    Equity - 54%
    REIT - 13%

    I will increase my equity position (VUN & XEF) in the near future.

  3. #43
    Senior Member
    Join Date
    Nov 2014
    Posts
    390
    Here is the Q3, 2016 net worth update. $20k savings/gain in between Jul-Sep, 2016.

    Net Worth -

    2015 - $276k
    Q1, 2016 - $282k
    Q2, 2016 - $310k
    Q3, 2016 - $330k (around 6% gain)

    Expenses -

    So far, the average monthly expenses is around $1,978 in 2016. Hopefully it will decrease this quarter as auto insurance already been paid for a year in Sep, 2016. Moreover, this expense does not include monthly expenses of $600 that I provide to my parents.

    Passive Income (Dividend & Interest) -

    2015 - $4,650
    Q1, 2016 - $1,400
    Q2, 2016 - $3,350
    Q3, 2016 - $4,875

    Asset Allocation -

    Fixed Income - 33%
    Equity - 55%
    REIT - 12%

    Since inception time-weighted rate of return -

    Cash - (1.02%) (VCN & ZPR)
    TFSA - 19.79% (ZAG & ZRE)
    RSP - 41.11% (VUN, XEF, TDB 900 & TDB 911)

    Waiting for market downturn to add more equities in the portfolio.
    Last edited by scorpion_ca; 2016-10-04 at 08:03 PM.

  4. #44
    Senior Member
    Join Date
    Nov 2014
    Posts
    390
    Here is the 2016 net worth update. 20% or $72k savings/gain since 2015.

    Net Worth -

    2015 - $276k
    Q1, 2016 - $282k
    Q2, 2016 - $310k
    Q3, 2016 - $330k
    Q4, 2016 - $348k

    Expenses -

    The average monthly expenses were around $1,877 in 2016 that is $215 more than the previous year of 2015...we did a road trip to ON this year. Moreover, this expense does not include monthly expenses of $600 that I provide to my parents.

    Passive Income (Dividend & Interest) -

    2015 - $4,650
    Q1, 2016 - $1,400
    Q2, 2016 - $3,350
    Q3, 2016 - $4,875
    Q4, 2016 - $6,441 (27% gain since last year)

    Asset Allocation -

    Fixed Income - 35%
    Equity - 54%
    REIT - 11%

    Since Inception Time-Weighted Rate of Return -

    Cash - 5.83% (VCN & ZPR)
    TFSA - 19.56% (ZAG & ZRE)
    RRSP - 47.10% (VUN, XEF, XEC, TDB900 & TDB911)

    Waiting for opportunity to add more equities in the portfolio. Our company has decided to reinstate RRSP matching contribution program from this January. It is 5% of my yearly salary....free money is always welcome!
    Last edited by scorpion_ca; 2017-01-09 at 08:11 PM.

  5. #45
    Senior Member
    Join Date
    Mar 2016
    Posts
    104
    Quote Originally Posted by scorpion_ca View Post
    Here is the 2016 net worth update. 20% or $72k savings/gain since 2015.

    Net Worth -

    2015 - $276k
    Q1, 2016 - $282k
    Q2, 2016 - $310k
    Q3, 2016 - $330k
    Q4, 2016 - $348k

    Expenses -

    The average monthly expenses were around $1,877 in 2016 that is $215 more than the previous year of 2015...we did a road trip to ON this year. Moreover, this expense does not include monthly expenses of $600 that I provide to my parents.

    Passive Income (Dividend & Interest) -

    2015 - $4,650
    Q1, 2016 - $1,400
    Q2, 2016 - $3,350
    Q3, 2016 - $4,875
    Q4, 2016 - $6,441 (27% gain since last year)

    Asset Allocation -

    Fixed Income - 35%
    Equity - 54%
    REIT - 11%

    Since Inception Time-Weighted Rate of Return -

    Cash - 5.83% (VCN & ZPR)
    TFSA - 19.56% (ZAG & ZRE)
    RRSP - 47.10% (VUN, XEF, XEC, TDB900 & TDB911)

    Waiting for opportunity to add more equities in the portfolio. Our company has decided to reinstate RRSP matching contribution program from this January. It is 5% of my yearly salary....free money is always welcome!
    wow that 5% is definitely a nice boost! congrats!


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