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Net worth update per


This is gammj's #93 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 289,444 and my FI portfolio increased to CAD 269,138


Net worth

CAD 289,444

Since the last update on my net worth has increased with CAD 9,263 (+ 3.31 %).

FI portfolio

CAD 269,138

Since the last update on my FI portfolio has increased with CAD 9,988 (+ 3.85 %).

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 7,883 -139 7,744
Investments 101,512 +6,650 108,162
Retirement acc 149,755 +3,477 153,232
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 373,150 +9,988 383,138

Mortgage 92,969 725 93,694
Other debt 0 0 0
Total debt 92,969 725 93,694
Change
Cash 14,453 -6,709 7,744
Investments 60,878 +47,284 108,162
Retirement acc 134,221 +19,011 153,232
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 323,552 +59,586 383,138

Mortgage 78,930 14,764 93,694
Other debt 0 0 0
Total debt 78,930 14,764 93,694
Change
Cash 14,284 -6,540 7,744
Investments 0 +108,162 108,162
Retirement acc 3,331 +149,901 153,232
Real estate 0 + 114,000 114,000
Other assets 0 0 0
Total assets 17,615 +365,523 383,138

Mortgage 0 93,694 93,694
Other debt 0 0 0
Total debt 0 + 93,694 93,694

I am now 12.1% on my way to achive my FIRE target of CAD 2,219,951. This is 0.4 percentage points closer, compared to the last net worth update.

CAD 269,138 FIRE target: CAD 2,219,951


12.1%

FI portfolio

My FI portfolio now consists of CAD 108,162 (40.2%) in investments, CAD 153,232 (56.9%) in retirement accounts, and CAD 7,744 (2.9%) in cash.

Investments

Since my last update, my investments increased with CAD 6,650 (6.55%), of which CAD 5 was from contributions, and CAD 5,301 was from returns.

Since I started tracking, my total contributions have been CAD 209, and my total return has been CAD 502,780.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 3,477 (2.32%), of which CAD 5 was from contributions , and CAD 23,357 was from returns.

Since I started tracking, my total contributions have been CAD 209, and my total return is CAD 1,115,177.




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

If I quit working today, my monthly pay out would be CAD 897 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
897/month
(4.0% SWR)
784/month
(3.5% SWR)
672/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 5 months, in , and at that time I will be 64 years old.

By that time I will have invested/saved another CAD 151,208, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,799,605


Financial independence forecast