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Net worth update per


This is gammj's #199 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CAD 1,135,791 and my FI portfolio decreased to CAD 1,010,965


Net worth

CAD 1,135,791

Since the last update on my net worth has decreased with CAD -16,388 ( -1.42 %).

FI portfolio

CAD 1,010,965

Since the last update on my FI portfolio has decreased with CAD -16,861 ( -1.64 %).

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 38,461 +848 39,309
Investments 342,979 -5,520 337,459
Retirement acc 646,386 -12,189 634,197
Real estate 305,000 0 305,000
Other assets 19,800 0 19,800
Total assets 1,352,626 -16,861 1,335,765

Mortgage 183,590 -304 183,286
Other debt 16,857 -169 16,688
Total debt 200,447 -473 199,974
Change
Cash 38,636 +673 39,309
Investments 359,745 -22,286 337,459
Retirement acc 703,951 -69,754 634,197
Real estate 305,000 0 305,000
Other assets 19,800 0 19,800
Total assets 1,427,132 -91,367 1,335,765

Mortgage 186,461 -3,175 183,286
Other debt 0 + 16,688 16,688
Total debt 186,461 + 13,513 199,974
Change
Cash 14,284 +25,025 39,309
Investments 0 +337,459 337,459
Retirement acc 3,331 +630,866 634,197
Real estate 0 + 305,000 305,000
Other assets 0 + 19,800 19,800
Total assets 17,615 +1,318,150 1,335,765

Mortgage 0 183,286 183,286
Other debt 0 + 16,688 16,688
Total debt 0 + 199,974 199,974

I am now 57.8% on my way to achive my FIRE target of CAD 1,750,000. This is -1.0 percentage points closer, compared to the last net worth update.

CAD 1,010,965 FIRE target: CAD 1,750,000


57.8%

FI portfolio

My FI portfolio now consists of CAD 337,459 (33.4%) in investments, CAD 634,197 (62.7%) in retirement accounts, and CAD 39,309 (3.9%) in cash.

Investments

Since my last update, my investments decreased with CAD -5,520 (-1.61%), 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 -12,189 (-1.89%), 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 3,369 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
3,369/month
(4.0% SWR)
2,948/month
(3.5% SWR)
2,527/month
(3.0% SWR)


When can I retire?

FI date

My age

53

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 5 years and 11 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another CAD 41,951, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 697,084


Financial independence forecast