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Net worth update per



This is gammj's #145 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 555,075 and my FI portfolio decreased to CAD 545,799


Net worth

CAD 555,075

Since the last update on my net worth has decreased with CAD -8,833 ( -1.57 %).

FI portfolio

CAD 545,799

Since the last update on my FI portfolio has decreased with CAD -3,301 ( -0.6 %).

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 31.2% on my way to achive my FIRE target of CAD 1,750,000. This is -0.2 percentage points closer, compared to the last net worth update.

CAD 545,799 FIRE target: CAD 1,750,000


31.2%


FI portfolio


My FI portfolio now consists of CAD 220,874 (40.5%) in investments, CAD 321,283 (58.9%) in retirement accounts, and CAD 3,642 (0.7%) in cash.

Investments

Since my last update, my investments increased with CAD 671 (0.3%), of which CAD 5 was from contributions, and CAD 41,174 was from returns.

Since I started tracking, my total contributions have been CAD 144, and my total return has been CAD 428,206.

Retirement accounts

Since my last update, my retirement accounts decreased with CAD -3,665 (-1.13%), of which CAD 5 was from contributions , and CAD 27,334 was from returns.

Since I started tracking, my total contributions have been CAD 144, and my total return is CAD 882,889.




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


If I quit working today, my monthly pay out would be CAD 1,819 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,819/month
(4.0% SWR)
1,591/month
(3.5% SWR)
1,364/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 85,746, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,118,455


Financial independence forecast