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Net worth update per


This is gammj's #127 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 443,224 and my FI portfolio decreased to CAD 402,699


Net worth

CAD 443,224

Since the last update on my net worth has increased with CAD 9,862 (+ 2.28 %).

FI portfolio

CAD 402,699

Since the last update on my FI portfolio has decreased with CAD -242 ( -0.06 %).

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 4,782 -1,071 3,711
Investments 151,633 -589 151,044
Retirement acc 246,526 +1,418 247,944
Real estate 114,000 + 7,000 121,000
Other assets 13,501 -663 12,838
Total assets 530,442 +6,095 536,537

Mortgage 87,143 -11 87,132
Other debt 9,937 -3,756 6,181
Total debt 97,080 -3,767 93,313
Change
Cash 4,255 -544 3,711
Investments 179,919 -28,875 151,044
Retirement acc 191,779 +56,165 247,944
Real estate 114,000 + 7,000 121,000
Other assets 0 + 12,838 12,838
Total assets 489,953 +46,584 536,537

Mortgage 96,739 -9,607 87,132
Other debt 0 + 6,181 6,181
Total debt 96,739 + -3,426 93,313
Change
Cash 14,284 -10,573 3,711
Investments 0 +151,044 151,044
Retirement acc 3,331 +244,613 247,944
Real estate 0 + 121,000 121,000
Other assets 0 + 12,838 12,838
Total assets 17,615 +518,922 536,537

Mortgage 0 87,132 87,132
Other debt 0 + 6,181 6,181
Total debt 0 + 93,313 93,313

I am now 23.0% 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 402,699 FIRE target: CAD 1,750,000


23.0%

FI portfolio

My FI portfolio now consists of CAD 151,044 (37.5%) in investments, CAD 247,944 (61.6%) in retirement accounts, and CAD 3,711 (0.9%) in cash.

Investments

Since my last update, my investments decreased with CAD -589 (-0.39%), 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 1,418 (0.58%), 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 1,342 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,342/month
(4.0% SWR)
1,174/month
(3.5% SWR)
1,006/month
(3.0% SWR)


When can I retire?

FI date

My age

58

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 6 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another CAD 106,491, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,240,810


Financial independence forecast