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Net worth update per


This is gammj's #133 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 484,807 and my FI portfolio increased to CAD 461,050


Net worth

CAD 484,807

Since the last update on my net worth has increased with CAD 12,416 (+ 2.63 %).

FI portfolio

CAD 461,050

Since the last update on my FI portfolio has increased with CAD 10,446 (+ 2.32 %).

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 4,382 +24 4,406
Investments 176,448 +2,369 178,817
Retirement acc 269,774 +8,053 277,827
Real estate 121,000 0 121,000
Other assets 10,276 -439 9,837
Total assets 581,880 +10,007 591,887

Mortgage 93,803 -2,254 91,549
Other debt 15,686 -155 15,531
Total debt 109,489 -2,409 107,080
Change
Cash 11,624 -7,218 4,406
Investments 167,234 +11,583 178,817
Retirement acc 260,170 +17,657 277,827
Real estate 121,000 0 121,000
Other assets 10,749 -912 9,837
Total assets 570,777 +21,110 591,887

Mortgage 86,956 4,593 91,549
Other debt 15,847 -316 15,531
Total debt 102,803 4,277 107,080
Change
Cash 14,284 -9,878 4,406
Investments 0 +178,817 178,817
Retirement acc 3,331 +274,496 277,827
Real estate 0 + 121,000 121,000
Other assets 0 + 9,837 9,837
Total assets 17,615 +574,272 591,887

Mortgage 0 91,549 91,549
Other debt 0 + 15,531 15,531
Total debt 0 + 107,080 107,080

I am now 26.3% on my way to achive my FIRE target of CAD 1,750,000. This is 0.6 percentage points closer, compared to the last net worth update.

CAD 461,050 FIRE target: CAD 1,750,000


26.3%

FI portfolio

My FI portfolio now consists of CAD 178,817 (38.8%) in investments, CAD 277,827 (60.3%) in retirement accounts, and CAD 4,406 (1.0%) in cash.

Investments

Since my last update, my investments increased with CAD 2,369 (1.34%), 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 8,053 (2.99%), 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 1,536 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,536/month
(4.0% SWR)
1,344/month
(3.5% SWR)
1,152/month
(3.0% SWR)


When can I retire?

FI date

My age

57

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 10 years and 4 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another CAD 97,271, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,191,679


Financial independence forecast