FI3000

  The goal: 1. Retirement Assets of $4,000,000 2. Annual Passive Income of $160,000 (rental income + dividends combined) We are currently mortgage free but won’t be including the value of our principal residence or cottage as we have no plans to sell either. We have also omitted the value of our workplace defined benefit pension plans and children’s RESP. COMMENTARY: The PE of the S&P is at historical highs which is usually an indicator of flat or negative returns over the next 12 months. With that in mind my plan for 2026 is to allocate a greater percentage of our investable income towards mortgage debt repayment.  ASSETS. Jan,Feb,Mar Contributions: $7,000 Retirement Equity Portfolio: $1,200,174 (UP $71,803)  Rental Property #1: $220,000 (appraised value) Rental Property #2: $350,000 ( appraised value ) Rental Property #3: $400,000 ( appraised value ) Rental Property #4: $375,000 ( appraised value ) Rental Property #5: $350,000 ( purchase price ) Total Retirement Ass...

  The goal: 1. Retirement Assets of $4,000,000 2. Annual Passive Income of $160,000 (rental income + dividends combined) We are currently mortgage free but won’t be including the value of our principal residence or cottage as we have no plans to sell either. We have also omitted the value of our workplace defined benefit pension plans and children’s RESP. COMMENTARY: I've simplified and updated our retirement goals due to a combination of higher than expected inflation as well as an increase in our spending habits.  ASSETS. Nov & Dec Contributions: $3,200 Retirement Equity Portfolio: $1,200,174 (UP $48,154)  Rental Property #1: $220,000 (appraised value) Rental Property #2: $350,000 ( appraised value ) Rental Property #3: $400,000 ( appraised value ) Rental Property #4: $375,000 ( appraised value ) Rental Property #5: $350,000 ( purchase price ) Total Retirement Assets: $2,895,174 ( UP $48,154 ) LIABILITIES : Rental Property Loan #1: $27,712 (down $662) Rental Propert...

  The goal: 1. Retirement Equity Portfolio of $1,000,000 2. Passive income from Rental Portfolio of $70,000 3. Annual Passive Income of $100,000 (rental income + dividends combined) We are currently mortgage free but won’t be including the value of our principal residence or cottage as we have no plans to sell either. We have also omitted the value of our workplace defined benefit pension plans and children’s RESP. COMMENTARY: No major changes. The markets keep rising pushing our net worth along with it.  ASSETS. Sept to Nov Contributions: $0 Retirement Equity Portfolio: $1,152,020 (UP $67,770)  Rental Property #1: $220,000 (appraised value) Rental Property #2: $350,000 ( appraised value ) Rental Property #3: $400,000 ( appraised value ) Rental Property #4: $375,000 ( appraised value ) Rental Property #5: $350,000 ( purchase price ) Total Retirement Assets: $2,847,020 ( UP $67,770 ) LIABILITIES : Rental Property Loan #1: $29,374(down $642) Rental Property Loan #2: $222,01...

  The goal: 1. Retirement Equity Portfolio of $1,000,000 2. Passive income from Rental Portfolio of $70,000 3. Annual Passive Income of $100,000 (rental income + dividends combined) We are currently mortgage free but won’t be including the value of our principal residence or cottage as we have no plans to sell either. We have also omitted the value of our workplace defined benefit pension plans and children’s RESP. COMMENTARY: No major changes. The markets keep rising pushing our net worth along with it. For the first time our investable net worth is now over 2 million.  ASSETS. July to Sept Contributions: $14,000 Retirement Equity Portfolio: $1,084,250 (UP $58,245)  Rental Property #1: $220,000 (appraised value) Rental Property #2: $350,000 ( appraised value ) Rental Property #3: $400,000 ( appraised value ) Rental Property #4: $375,000 ( appraised value ) Rental Property #5: $350,000 ( purchase price ) Total Retirement Assets: $2,779,250 ( UP $58,245 ) LIABILITIES : Ren...

    The goal: 1. Retirement Equity Portfolio of $1,000,000 2. Passive income from Rental Portfolio of $70,000 3. Annual Passive Income of $100,000 (rental income + dividends combined) We are currently mortgage free but won’t be including the value of our principal residence or cottage as we have no plans to sell either. We have also omitted the value of our workplace defined benefit pension plans and children’s RESP. COMMENTARY: Well we finally broke the one million dollar mark in our equity portfolio. Nice to have a seven figure account but honestly it's kind of anti-climatic. Next goal is 1.5 million. ASSETS. May to July Contributions: $6000 Retirement Equity Portfolio: $1,026,005 (UP $70,486)  Rental Property #1: $220,000 (appraised value) Rental Property #2: $350,000 ( appraised value ) Rental Property #3: $400,000 ( appraised value ) Rental Property #4: $375,000 ( appraised value ) Rental Property #5: $350,000 ( purchase price ) Total Retirement Assets: $2,721,005 ( ...

  The goal: 1. Retirement Equity Portfolio of $1,000,000 2. Passive income from Rental Portfolio of $70,000 3. Annual Passive Income of $100,000 (rental income + dividends combined) We are currently mortgage free but won’t be including the value of our principal residence or cottage as we have no plans to sell either. We have also omitted the value of our workplace defined benefit pension plans and children’s RESP. COMMENTARY: I've missed a few updates but hope to get back on schedule. Over the last four months I've refinanced most of the rental properties and shuffled money around to pay down my higher interest loans. As a result the amount owing on some of the rentals has changed dramatically but the overall amount owing is still the same. No money was taken out of the rentals for other purchases. Our investment accounts have also had some pretty wild swings since January due to the fickle on and off of US tariff policies. ASSETS. Jan to May Contributions: $13,700 Retirement ...