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Net worth update per


This is gammj's #153 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 565,186 and my FI portfolio decreased to CAD 538,531


Net worth

CAD 565,186

Since the last update on my net worth has decreased with CAD -25,475 ( -4.31 %).

FI portfolio

CAD 538,531

Since the last update on my FI portfolio has decreased with CAD -29,335 ( -5.17 %).

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 1,763 -32 1,731
Investments 227,743 -10,077 217,666
Retirement acc 338,360 -19,226 319,134
Real estate 121,000 0 121,000
Other assets 783 + 20,734 21,517
Total assets 689,649 -8,601 681,048

Mortgage 95,500 0 95,500
Other debt 3,488 + 16,874 20,362
Total debt 98,988 + 16,874 115,862
Change
Cash 7,197 -5,466 1,731
Investments 217,482 +184 217,666
Retirement acc 309,741 +9,393 319,134
Real estate 121,000 0 121,000
Other assets 0 + 21,517 21,517
Total assets 655,420 +25,628 681,048

Mortgage 86,068 9,432 95,500
Other debt 16,204 + 4,158 20,362
Total debt 102,272 + 13,590 115,862
Change
Cash 14,284 -12,553 1,731
Investments 0 +217,666 217,666
Retirement acc 3,331 +315,803 319,134
Real estate 0 + 121,000 121,000
Other assets 0 + 21,517 21,517
Total assets 17,615 +663,433 681,048

Mortgage 0 95,500 95,500
Other debt 0 + 20,362 20,362
Total debt 0 + 115,862 115,862

I am now 30.8% on my way to achive my FIRE target of CAD 1,750,000. This is -1.7 percentage points closer, compared to the last net worth update.

CAD 538,531 FIRE target: CAD 1,750,000


30.8%

FI portfolio

My FI portfolio now consists of CAD 217,666 (40.4%) in investments, CAD 319,134 (59.3%) in retirement accounts, and CAD 1,731 (0.3%) in cash.

Investments

Since my last update, my investments decreased with CAD -10,077 (-4.42%), 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 -19,226 (-5.68%), 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 1,795 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,795/month
(4.0% SWR)
1,570/month
(3.5% SWR)
1,346/month
(3.0% SWR)


When can I retire?

FI date

My age

57

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 10 years and 0 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another CAD 86,207, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,125,262


Financial independence forecast