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Net worth update per


This is gammj's #150 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 592,334 and my FI portfolio increased to CAD 572,499


Net worth

CAD 592,334

Since the last update on my net worth has increased with CAD 13,169 (+ 2.27 %).

FI portfolio

CAD 572,499

Since the last update on my FI portfolio has increased with CAD 13,009 (+ 2.33 %).

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 5,590 +402 5,992
Investments 221,605 +6,113 227,718
Retirement acc 332,295 +6,494 338,789
Real estate 121,000 0 121,000
Other assets 0 0 0
Total assets 680,490 +13,009 693,499

Mortgage 86,069 -7 86,062
Other debt 15,256 -153 15,103
Total debt 101,325 -160 101,165
Change
Cash 7,197 -1,205 5,992
Investments 217,482 +10,236 227,718
Retirement acc 309,741 +29,048 338,789
Real estate 121,000 0 121,000
Other assets 0 0 0
Total assets 655,420 +38,079 693,499

Mortgage 86,068 -6 86,062
Other debt 16,204 -1,101 15,103
Total debt 102,272 -1,107 101,165
Change
Cash 14,284 -8,292 5,992
Investments 0 +227,718 227,718
Retirement acc 3,331 +335,458 338,789
Real estate 0 + 121,000 121,000
Other assets 0 0 0
Total assets 17,615 +675,884 693,499

Mortgage 0 86,062 86,062
Other debt 0 + 15,103 15,103
Total debt 0 + 101,165 101,165

I am now 32.7% 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 572,499 FIRE target: CAD 1,750,000


32.7%

FI portfolio

My FI portfolio now consists of CAD 227,718 (39.8%) in investments, CAD 338,789 (59.2%) in retirement accounts, and CAD 5,992 (1.0%) in cash.

Investments

Since my last update, my investments increased with CAD 6,113 (2.76%), 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 6,494 (1.95%), 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 1,908 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,908/month
(4.0% SWR)
1,669/month
(3.5% SWR)
1,431/month
(3.0% SWR)


When can I retire?

FI date

My age

56

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 9 years and 1 months, in , and at that time I will be 56 years old.

By that time I will have invested/saved another CAD 82,519, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,094,982


Financial independence forecast