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Net worth update per


This is gammj's #123 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 402,293 and my FI portfolio increased to CAD 379,451


Net worth

CAD 402,293

Since the last update on my net worth has increased with CAD 1,558 (+ 0.39 %).

FI portfolio

CAD 379,451

Since the last update on my FI portfolio has increased with CAD 2,839 (+ 0.75 %).

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 3,458 +84 3,542
Investments 144,165 +1,662 145,827
Retirement acc 228,989 +1,093 230,082
Real estate 114,000 0 114,000
Other assets 15,487 -512 14,975
Total assets 506,099 +2,327 508,426

Mortgage 90,821 960 91,781
Other debt 14,543 -191 14,352
Total debt 105,364 769 106,133
Change
Cash 4,255 -713 3,542
Investments 179,919 -34,092 145,827
Retirement acc 191,779 +38,303 230,082
Real estate 114,000 0 114,000
Other assets 0 + 14,975 14,975
Total assets 489,953 +18,473 508,426

Mortgage 96,739 -4,958 91,781
Other debt 0 + 14,352 14,352
Total debt 96,739 + 9,394 106,133
Change
Cash 14,284 -10,742 3,542
Investments 0 +145,827 145,827
Retirement acc 3,331 +226,751 230,082
Real estate 0 + 114,000 114,000
Other assets 0 + 14,975 14,975
Total assets 17,615 +490,811 508,426

Mortgage 0 91,781 91,781
Other debt 0 + 14,352 14,352
Total debt 0 + 106,133 106,133

I am now 21.7% 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 379,451 FIRE target: CAD 1,750,000


21.7%

FI portfolio

My FI portfolio now consists of CAD 145,827 (38.4%) in investments, CAD 230,082 (60.6%) in retirement accounts, and CAD 3,542 (0.9%) in cash.

Investments

Since my last update, my investments increased with CAD 1,662 (1.15%), 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 1,093 (0.48%), 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 1,264 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,264/month
(4.0% SWR)
1,106/month
(3.5% SWR)
948/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 11 years and 10 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another CAD 110,179, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,260,370


Financial independence forecast