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Net worth update per


This is gammj's #73 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 226,622 and my FI portfolio increased to CAD 197,803


Net worth

CAD 226,622

Since the last update on my net worth has increased with CAD 5,477 (+ 2.48 %).

FI portfolio

CAD 197,803

Since the last update on my FI portfolio has increased with CAD 5,040 (+ 2.61 %).

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 17,121 +230 17,351
Investments 54,200 +1,841 56,041
Retirement acc 121,442 +2,969 124,411
Real estate 121,000 0 121,000
Other assets 0 0 0
Total assets 313,763 +5,040 318,803

Mortgage 92,618 -437 92,181
Other debt 0 0 0
Total debt 92,618 -437 92,181
Change
Cash 16,092 +1,259 17,351
Investments 53,365 +2,676 56,041
Retirement acc 119,007 +5,404 124,411
Real estate 121,000 0 121,000
Other assets 0 0 0
Total assets 309,464 +9,339 318,803

Mortgage 93,705 -1,524 92,181
Other debt 0 0 0
Total debt 93,705 -1,524 92,181
Change
Cash 14,284 +3,067 17,351
Investments 0 +56,041 56,041
Retirement acc 3,331 +121,080 124,411
Real estate 0 + 121,000 121,000
Other assets 0 0 0
Total assets 17,615 +301,188 318,803

Mortgage 0 92,181 92,181
Other debt 0 0 0
Total debt 0 + 92,181 92,181

I am now 11.3% on my way to achive my FIRE target of CAD 1,750,000. This is 0.3 percentage points closer, compared to the last net worth update.

CAD 197,803 FIRE target: CAD 1,750,000


11.3%

FI portfolio

My FI portfolio now consists of CAD 56,041 (28.3%) in investments, CAD 124,411 (62.9%) in retirement accounts, and CAD 17,351 (8.8%) in cash.

Investments

Since my last update, my investments increased with CAD 1,841 (3.4%), 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 2,969 (2.44%), 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 659 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
659/month
(4.0% SWR)
576/month
(3.5% SWR)
494/month
(3.0% SWR)


When can I retire?

FI date

My age

62

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 15 years and 6 months, in , and at that time I will be 62 years old.

By that time I will have invested/saved another CAD 153,513, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,398,684


Financial independence forecast