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Net worth update per


This is gammj's #84 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 255,829 and my FI portfolio increased to CAD 217,789


Net worth

CAD 255,829

Since the last update on my net worth has increased with CAD 11,207 (+ 4.58 %).

FI portfolio

CAD 217,789

Since the last update on my FI portfolio has increased with CAD 8,237 (+ 3.93 %).

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 14,453 -7,582 6,871
Investments 60,878 +12,288 73,166
Retirement acc 134,221 +3,531 137,752
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 323,552 +8,237 331,789

Mortgage 78,930 -2,970 75,960
Other debt 0 0 0
Total debt 78,930 -2,970 75,960
Change
Cash 14,453 -7,582 6,871
Investments 60,878 +12,288 73,166
Retirement acc 134,221 +3,531 137,752
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 323,552 +8,237 331,789

Mortgage 78,930 -2,970 75,960
Other debt 0 0 0
Total debt 78,930 -2,970 75,960
Change
Cash 14,284 -7,413 6,871
Investments 0 +73,166 73,166
Retirement acc 3,331 +134,421 137,752
Real estate 0 + 114,000 114,000
Other assets 0 0 0
Total assets 17,615 +314,174 331,789

Mortgage 0 75,960 75,960
Other debt 0 0 0
Total debt 0 + 75,960 75,960

I am now 12.4% on my way to achive my FIRE target of CAD 1,750,000. This is 0.5 percentage points closer, compared to the last net worth update.

CAD 217,789 FIRE target: CAD 1,750,000


12.4%

FI portfolio

My FI portfolio now consists of CAD 73,166 (33.6%) in investments, CAD 137,752 (63.3%) in retirement accounts, and CAD 6,871 (3.2%) in cash.

Investments

Since my last update, my investments increased with CAD 12,288 (20.18%), of which CAD 5 was from contributions, and CAD -1,196 was from returns.

Since I started tracking, my total contributions have been CAD 169, and my total return has been CAD 467,660.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 3,531 (2.63%), of which CAD 5 was from contributions , and CAD 4,908 was from returns.

Since I started tracking, my total contributions have been CAD 169, and my total return is CAD 954,075.




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

If I quit working today, my monthly pay out would be CAD 725 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
725/month
(4.0% SWR)
635/month
(3.5% SWR)
544/month
(3.0% SWR)


When can I retire?

FI date

My age

62

I am currently aiming to save/invest approximately CAD 461 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of CAD 1,750,000 in 14 years and 5 months, in , and at that time I will be 62 years old.

By that time I will have invested/saved another CAD 145,676, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,386,535


Financial independence forecast