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Net worth update per



This is gammj's #160 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 893,182 and my FI portfolio decreased to CAD 765,134


Net worth

CAD 893,182

Since the last update on my net worth has decreased with CAD -29,556 ( -3.2 %).

FI portfolio

CAD 765,134

Since the last update on my FI portfolio has decreased with CAD -38,579 ( -4.8 %).

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.

I am now 43.7% on my way to achive my FIRE target of CAD 1,750,000. This is -2.2 percentage points closer, compared to the last net worth update.

CAD 765,134 FIRE target: CAD 1,750,000


43.7%


FI portfolio


My FI portfolio now consists of CAD 214,764 (28.1%) in investments, CAD 449,720 (58.8%) in retirement accounts, and CAD 100,650 (13.2%) in cash.

Investments

Since my last update, my investments decreased with CAD -3,975 (-1.82%), of which CAD 5 was from contributions, and CAD 8,381 was from returns.

Since I started tracking, my total contributions have been CAD 83, and my total return has been CAD 374,371.

Retirement accounts

Since my last update, my retirement accounts decreased with CAD -16,093 (-3.45%), of which CAD 5 was from contributions , and CAD 19,479 was from returns.

Since I started tracking, my total contributions have been CAD 83, and my total return is CAD 738,708.




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


If I quit working today, my monthly pay out would be CAD 2,550 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
2,550/month
(4.0% SWR)
2,231/month
(3.5% SWR)
1,912/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 7 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 65,923, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 918,943


Financial independence forecast