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Net worth update per


This is gammj's #177 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 969,508 and my FI portfolio decreased to CAD 833,985


Net worth

CAD 969,508

Since the last update on my net worth has decreased with CAD -12,224 ( -1.25 %).

FI portfolio

CAD 833,985

Since the last update on my FI portfolio has decreased with CAD -28,082 ( -3.26 %).

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 78,136 -10,148 67,988
Investments 269,305 -6,790 262,515
Retirement acc 514,626 -11,144 503,482
Real estate 305,000 0 305,000
Other assets 19,490 -1,029 18,461
Total assets 1,186,557 -29,111 1,157,446

Mortgage 187,205 -281 186,924
Other debt 17,620 -16,606 1,014
Total debt 204,825 -16,887 187,938
Change
Cash 99,834 -31,846 67,988
Investments 224,463 +38,052 262,515
Retirement acc 494,590 +8,892 503,482
Real estate 305,000 0 305,000
Other assets 19,490 -1,029 18,461
Total assets 1,143,377 +14,069 1,157,446

Mortgage 186,037 887 186,924
Other debt 19,847 -18,833 1,014
Total debt 205,884 -17,946 187,938
Change
Cash 14,284 +53,704 67,988
Investments 0 +262,515 262,515
Retirement acc 3,331 +500,151 503,482
Real estate 0 + 305,000 305,000
Other assets 0 + 18,461 18,461
Total assets 17,615 +1,139,831 1,157,446

Mortgage 0 186,924 186,924
Other debt 0 + 1,014 1,014
Total debt 0 + 187,938 187,938

I am now 47.7% on my way to achive my FIRE target of CAD 1,750,000. This is -1.6 percentage points closer, compared to the last net worth update.

CAD 833,985 FIRE target: CAD 1,750,000


47.7%

FI portfolio

My FI portfolio now consists of CAD 262,515 (31.5%) in investments, CAD 503,482 (60.4%) in retirement accounts, and CAD 67,988 (8.2%) in cash.

Investments

Since my last update, my investments decreased with CAD -6,790 (-2.52%), of which CAD 5 was from contributions, and CAD 8,486 was from returns.

Since I started tracking, my total contributions have been CAD 134, and my total return has been CAD 393,617.

Retirement accounts

Since my last update, my retirement accounts decreased with CAD -11,144 (-2.17%), of which CAD 5 was from contributions , and CAD 28,270 was from returns.

Since I started tracking, my total contributions have been CAD 134, and my total return is CAD 871,403.




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

If I quit working today, my monthly pay out would be CAD 2,779 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
2,779/month
(4.0% SWR)
2,432/month
(3.5% SWR)
2,084/month
(3.0% SWR)


When can I retire?

FI date

My age

54

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 6 years and 11 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another CAD 57,625, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 858,390


Financial independence forecast