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Net worth update per


This is gammj's #136 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 514,261 and my FI portfolio increased to CAD 489,020


Net worth

CAD 514,261

Since the last update on my net worth has increased with CAD 5,689 (+ 1.12 %).

FI portfolio

CAD 489,020

Since the last update on my FI portfolio has increased with CAD 8,395 (+ 1.75 %).

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 4,371 +531 4,902
Investments 184,995 +6,015 191,010
Retirement acc 291,259 +1,849 293,108
Real estate 121,000 0 121,000
Other assets 8,964 -437 8,527
Total assets 610,589 +7,958 618,547

Mortgage 86,795 2,421 89,216
Other debt 15,222 -152 15,070
Total debt 102,017 2,269 104,286
Change
Cash 11,624 -6,722 4,902
Investments 167,234 +23,776 191,010
Retirement acc 260,170 +32,938 293,108
Real estate 121,000 0 121,000
Other assets 10,749 -2,222 8,527
Total assets 570,777 +47,770 618,547

Mortgage 86,956 2,260 89,216
Other debt 15,847 -777 15,070
Total debt 102,803 1,483 104,286
Change
Cash 14,284 -9,382 4,902
Investments 0 +191,010 191,010
Retirement acc 3,331 +289,777 293,108
Real estate 0 + 121,000 121,000
Other assets 0 + 8,527 8,527
Total assets 17,615 +600,932 618,547

Mortgage 0 89,216 89,216
Other debt 0 + 15,070 15,070
Total debt 0 + 104,286 104,286

I am now 22.0% on my way to achive my FIRE target of CAD 2,219,951. This is 0.4 percentage points closer, compared to the last net worth update.

CAD 489,020 FIRE target: CAD 2,219,951


22.0%

FI portfolio

My FI portfolio now consists of CAD 191,010 (39.1%) in investments, CAD 293,108 (59.9%) in retirement accounts, and CAD 4,902 (1.0%) in cash.

Investments

Since my last update, my investments increased with CAD 6,015 (3.25%), of which CAD 5 was from contributions, and CAD 5,301 was from returns.

Since I started tracking, my total contributions have been CAD 209, and my total return has been CAD 502,780.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 1,849 (0.63%), of which CAD 5 was from contributions , and CAD 23,357 was from returns.

Since I started tracking, my total contributions have been CAD 209, and my total return is CAD 1,115,177.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be CAD 1,630 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
1,630/month
(4.0% SWR)
1,426/month
(3.5% SWR)
1,222/month
(3.0% SWR)


When can I retire?

FI date

My age

60

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 2,219,951 in 11 years and 10 months, in , and at that time I will be 60 years old.

By that time I will have invested/saved another CAD 111,562, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 1,619,369


Financial independence forecast