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Net worth update per


This is gammj's #164 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 913,902 and my FI portfolio increased to CAD 790,653


Net worth

CAD 913,902

Since the last update on my net worth has increased with CAD 14,897 (+ 1.66 %).

FI portfolio

CAD 790,653

Since the last update on my FI portfolio has increased with CAD 15,619 (+ 2.02 %).

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 98,567 +7,216 105,783
Investments 217,600 +1,932 219,532
Retirement acc 458,867 +6,471 465,338
Real estate 305,000 0 305,000
Other assets 25,933 -461 25,472
Total assets 1,105,967 +15,158 1,121,125

Mortgage 189,689 -185 189,504
Other debt 17,273 + 446 17,719
Total debt 206,962 + 261 207,223
Change
Cash 2,633 +103,150 105,783
Investments 216,184 +3,348 219,532
Retirement acc 358,126 +107,212 465,338
Real estate 121,000 + 184,000 305,000
Other assets 22,000 + 3,472 25,472
Total assets 719,943 +401,182 1,121,125

Mortgage 95,106 94,398 189,504
Other debt 17,483 + 236 17,719
Total debt 112,589 + 94,634 207,223
Change
Cash 14,284 +91,499 105,783
Investments 0 +219,532 219,532
Retirement acc 3,331 +462,007 465,338
Real estate 0 + 305,000 305,000
Other assets 0 + 25,472 25,472
Total assets 17,615 +1,103,510 1,121,125

Mortgage 0 189,504 189,504
Other debt 0 + 17,719 17,719
Total debt 0 + 207,223 207,223

I am now 45.2% on my way to achive my FIRE target of CAD 1,750,000. This is 0.9 percentage points closer, compared to the last net worth update.

CAD 790,653 FIRE target: CAD 1,750,000


45.2%

FI portfolio

My FI portfolio now consists of CAD 219,532 (27.8%) in investments, CAD 465,338 (58.9%) in retirement accounts, and CAD 105,783 (13.4%) in cash.

Investments

Since my last update, my investments increased with CAD 1,932 (0.89%), of which CAD 5 was from contributions, and CAD -14,929 was from returns.

Since I started tracking, my total contributions have been CAD 189, and my total return has been CAD 476,868.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 6,471 (1.41%), of which CAD 5 was from contributions , and CAD -28,881 was from returns.

Since I started tracking, my total contributions have been CAD 189, and my total return is CAD 1,021,955.




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

If I quit working today, my monthly pay out would be CAD 2,635 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
2,635/month
(4.0% SWR)
2,306/month
(3.5% SWR)
1,976/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 5 years and 10 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another CAD 63,618, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 895,729


Financial independence forecast