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Net worth update per


This is gammj's #125 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 417,594 and my FI portfolio increased to CAD 389,512


Net worth

CAD 417,594

Since the last update on my net worth has increased with CAD 1,953 (+ 0.47 %).

FI portfolio

CAD 389,512

Since the last update on my FI portfolio has increased with CAD 194 (+ 0.05 %).

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 3,736 +1,685 5,421
Investments 147,732 +429 148,161
Retirement acc 237,850 -1,920 235,930
Real estate 114,000 0 114,000
Other assets 14,487 -502 13,985
Total assets 517,805 -308 517,497

Mortgage 88,001 1,503 89,504
Other debt 14,163 -3,764 10,399
Total debt 102,164 -2,261 99,903
Change
Cash 4,255 +1,166 5,421
Investments 179,919 -31,758 148,161
Retirement acc 191,779 +44,151 235,930
Real estate 114,000 0 114,000
Other assets 0 + 13,985 13,985
Total assets 489,953 +27,544 517,497

Mortgage 96,739 -7,235 89,504
Other debt 0 + 10,399 10,399
Total debt 96,739 + 3,164 99,903
Change
Cash 14,284 -8,863 5,421
Investments 0 +148,161 148,161
Retirement acc 3,331 +232,599 235,930
Real estate 0 + 114,000 114,000
Other assets 0 + 13,985 13,985
Total assets 17,615 +499,882 517,497

Mortgage 0 89,504 89,504
Other debt 0 + 10,399 10,399
Total debt 0 + 99,903 99,903

I am now 22.3% on my way to achive my FIRE target of CAD 1,750,000. This is 0.0 percentage points closer, compared to the last net worth update.

CAD 389,512 FIRE target: CAD 1,750,000


22.3%

FI portfolio

My FI portfolio now consists of CAD 148,161 (38.0%) in investments, CAD 235,930 (60.6%) in retirement accounts, and CAD 5,421 (1.4%) in cash.

Investments

Since my last update, my investments increased with CAD 429 (0.29%), 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 decreased with CAD -1,920 (-0.81%), 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 1,298 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,298/month
(4.0% SWR)
1,136/month
(3.5% SWR)
973/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 9 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another CAD 108,796, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,251,692


Financial independence forecast