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Net worth update per


This is gammj's #158 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 913,324 and my FI portfolio increased to CAD 666,324


Net worth

CAD 913,324

Since the last update on my net worth has increased with CAD 269,911 (+ 41.95 %).

FI portfolio

CAD 666,324

Since the last update on my FI portfolio has increased with CAD 69,392 (+ 11.62 %).

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 0 +4,351 4,351
Investments 207,572 +5,439 213,011
Retirement acc 389,360 +59,602 448,962
Real estate 204,500 + 330,900 535,400
Other assets 22,000 0 22,000
Total assets 823,432 +400,292 1,223,724

Mortgage 160,510 125,362 285,872
Other debt 19,509 + 5,019 24,528
Total debt 180,019 + 130,381 310,400
Change
Cash 2,633 +1,718 4,351
Investments 216,184 -3,173 213,011
Retirement acc 358,126 +90,836 448,962
Real estate 121,000 + 414,400 535,400
Other assets 22,000 0 22,000
Total assets 719,943 +503,781 1,223,724

Mortgage 95,106 190,766 285,872
Other debt 17,483 + 7,045 24,528
Total debt 112,589 + 197,811 310,400
Change
Cash 14,284 -9,933 4,351
Investments 0 +213,011 213,011
Retirement acc 3,331 +445,631 448,962
Real estate 0 + 535,400 535,400
Other assets 0 + 22,000 22,000
Total assets 17,615 +1,206,109 1,223,724

Mortgage 0 285,872 285,872
Other debt 0 + 24,528 24,528
Total debt 0 + 310,400 310,400

I am now 30.0% on my way to achive my FIRE target of CAD 2,219,951. This is 3.1 percentage points closer, compared to the last net worth update.

CAD 666,324 FIRE target: CAD 2,219,951


30.0%

FI portfolio

My FI portfolio now consists of CAD 213,011 (32.0%) in investments, CAD 448,962 (67.4%) in retirement accounts, and CAD 4,351 (0.7%) in cash.

Investments

Since my last update, my investments increased with CAD 5,439 (2.62%), of which CAD 5 was from contributions, and CAD 13,577 was from returns.

Since I started tracking, my total contributions have been CAD 219, and my total return has been CAD 529,645.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 59,602 (15.31%), of which CAD 5 was from contributions , and CAD 54,188 was from returns.

Since I started tracking, my total contributions have been CAD 219, and my total return is CAD 1,206,907.




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

If I quit working today, my monthly pay out would be CAD 2,221 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
2,221/month
(4.0% SWR)
1,943/month
(3.5% SWR)
1,665/month
(3.0% SWR)


When can I retire?

FI date

My age

58

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 2,219,951 in 9 years and 7 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another CAD 89,895, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,463,732


Financial independence forecast