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Net worth update per


This is gammj's #103 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 340,767 and my FI portfolio increased to CAD 313,228


Net worth

CAD 340,767

Since the last update on my net worth has increased with CAD 7,336 (+ 2.2 %).

FI portfolio

CAD 313,228

Since the last update on my FI portfolio has increased with CAD 4,062 (+ 1.31 %).

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 2,221 -581 1,640
Investments 130,668 +2,526 133,194
Retirement acc 176,277 +2,117 178,394
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 423,166 +4,062 427,228

Mortgage 89,735 -3,274 86,461
Other debt 0 0 0
Total debt 89,735 -3,274 86,461
Change
Cash 8,053 -6,413 1,640
Investments 109,870 +23,324 133,194
Retirement acc 157,053 +21,341 178,394
Real estate 114,000 0 114,000
Other assets 0 0 0
Total assets 388,976 +38,252 427,228

Mortgage 89,571 -3,110 86,461
Other debt 0 0 0
Total debt 89,571 -3,110 86,461
Change
Cash 14,284 -12,644 1,640
Investments 0 +133,194 133,194
Retirement acc 3,331 +175,063 178,394
Real estate 0 + 114,000 114,000
Other assets 0 0 0
Total assets 17,615 +409,613 427,228

Mortgage 0 86,461 86,461
Other debt 0 0 0
Total debt 0 + 86,461 86,461

I am now 17.9% 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 313,228 FIRE target: CAD 1,750,000


17.9%

FI portfolio

My FI portfolio now consists of CAD 133,194 (42.5%) in investments, CAD 178,394 (57.0%) in retirement accounts, and CAD 1,640 (0.5%) in cash.

Investments

Since my last update, my investments increased with CAD 2,526 (1.93%), 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 2,117 (1.2%), 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 1,044 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,044/month
(4.0% SWR)
913/month
(3.5% SWR)
783/month
(3.0% SWR)


When can I retire?

FI date

My age

59

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 12 years and 5 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another CAD 122,626, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,314,146


Financial independence forecast