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Net worth update per


This is gammj's #161 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 905,580 and my FI portfolio increased to CAD 777,097


Net worth

CAD 905,580

Since the last update on my net worth has increased with CAD 12,398 (+ 1.39 %).

FI portfolio

CAD 777,097

Since the last update on my FI portfolio has increased with CAD 11,963 (+ 1.56 %).

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 100,650 +236 100,886
Investments 214,764 +3,246 218,010
Retirement acc 449,720 +8,481 458,201
Real estate 305,000 0 305,000
Other assets 28,144 + 59 28,203
Total assets 1,098,278 +12,022 1,110,300

Mortgage 187,307 -202 187,105
Other debt 17,789 -174 17,615
Total debt 205,096 -376 204,720
Change
Cash 2,633 +98,253 100,886
Investments 216,184 +1,826 218,010
Retirement acc 358,126 +100,075 458,201
Real estate 121,000 + 184,000 305,000
Other assets 22,000 + 6,203 28,203
Total assets 719,943 +390,357 1,110,300

Mortgage 95,106 91,999 187,105
Other debt 17,483 + 132 17,615
Total debt 112,589 + 92,131 204,720
Change
Cash 14,284 +86,602 100,886
Investments 0 +218,010 218,010
Retirement acc 3,331 +454,870 458,201
Real estate 0 + 305,000 305,000
Other assets 0 + 28,203 28,203
Total assets 17,615 +1,092,685 1,110,300

Mortgage 0 187,105 187,105
Other debt 0 + 17,615 17,615
Total debt 0 + 204,720 204,720

I am now 44.4% on my way to achive my FIRE target of CAD 1,750,000. This is 0.7 percentage points closer, compared to the last net worth update.

CAD 777,097 FIRE target: CAD 1,750,000


44.4%

FI portfolio

My FI portfolio now consists of CAD 218,010 (28.1%) in investments, CAD 458,201 (59.0%) in retirement accounts, and CAD 100,886 (13.0%) in cash.

Investments

Since my last update, my investments increased with CAD 3,246 (1.51%), 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 increased with CAD 8,481 (1.89%), 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 2,590 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
2,590/month
(4.0% SWR)
2,266/month
(3.5% SWR)
1,942/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 9 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another CAD 64,540, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 908,363


Financial independence forecast