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Net worth update per


This is gammj's #91 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 276,362 and my FI portfolio increased to CAD 252,430


Net worth

CAD 276,362

Since the last update on my net worth has increased with CAD 1,228 (+ 0.45 %).

FI portfolio

CAD 252,430

Since the last update on my FI portfolio has increased with CAD 5,517 (+ 2.23 %).

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 9,201 -396 8,805
Investments 90,814 +5,015 95,829
Retirement acc 146,898 +898 147,796
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 360,913 +5,517 366,430

Mortgage 85,779 4,289 90,068
Other debt 0 0 0
Total debt 85,779 4,289 90,068
Change
Cash 14,453 -5,648 8,805
Investments 60,878 +34,951 95,829
Retirement acc 134,221 +13,575 147,796
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 323,552 +42,878 366,430

Mortgage 78,930 11,138 90,068
Other debt 0 0 0
Total debt 78,930 11,138 90,068
Change
Cash 14,284 -5,479 8,805
Investments 0 +95,829 95,829
Retirement acc 3,331 +144,465 147,796
Real estate 0 + 114,000 114,000
Other assets 0 0 0
Total assets 17,615 +348,815 366,430

Mortgage 0 90,068 90,068
Other debt 0 0 0
Total debt 0 + 90,068 90,068

I am now 11.4% on my way to achive my FIRE target of CAD 2,219,951. This is 0.2 percentage points closer, compared to the last net worth update.

CAD 252,430 FIRE target: CAD 2,219,951


11.4%

FI portfolio

My FI portfolio now consists of CAD 95,829 (38.0%) in investments, CAD 147,796 (58.5%) in retirement accounts, and CAD 8,805 (3.5%) in cash.

Investments

Since my last update, my investments increased with CAD 5,015 (5.52%), of which CAD 5 was from contributions, and CAD 9,019 was from returns.

Since I started tracking, my total contributions have been CAD 224, and my total return has been CAD 538,664.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 898 (0.61%), of which CAD 5 was from contributions , and CAD 26,026 was from returns.

Since I started tracking, my total contributions have been CAD 224, and my total return is CAD 1,232,933.




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

If I quit working today, my monthly pay out would be CAD 841 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
841/month
(4.0% SWR)
736/month
(3.5% SWR)
631/month
(3.0% SWR)


When can I retire?

FI date

My age

64

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 15 years and 9 months, in , and at that time I will be 64 years old.

By that time I will have invested/saved another CAD 155,357, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,812,164


Financial independence forecast