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Net worth update per


This is gammj's #204 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 1,239,876 and my FI portfolio increased to CAD 1,113,011


Net worth

CAD 1,239,876

Since the last update on my net worth has increased with CAD 60,331 (+ 5.11 %).

FI portfolio

CAD 1,113,011

Since the last update on my FI portfolio has increased with CAD 59,862 (+ 5.68 %).

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 48,809 -22,492 26,317
Investments 350,732 +13,478 364,210
Retirement acc 653,608 +68,876 722,484
Real estate 305,000 0 305,000
Other assets 19,375 0 19,375
Total assets 1,377,524 +59,862 1,437,386

Mortgage 181,948 -309 181,639
Other debt 16,031 -160 15,871
Total debt 197,979 -469 197,510
Change
Cash 48,809 -22,492 26,317
Investments 350,732 +13,478 364,210
Retirement acc 653,608 +68,876 722,484
Real estate 305,000 0 305,000
Other assets 19,375 0 19,375
Total assets 1,377,524 +59,862 1,437,386

Mortgage 181,948 -309 181,639
Other debt 16,031 -160 15,871
Total debt 197,979 -469 197,510
Change
Cash 14,284 +12,033 26,317
Investments 0 +364,210 364,210
Retirement acc 3,331 +719,153 722,484
Real estate 0 + 305,000 305,000
Other assets 0 + 19,375 19,375
Total assets 17,615 +1,419,771 1,437,386

Mortgage 0 181,639 181,639
Other debt 0 + 15,871 15,871
Total debt 0 + 197,510 197,510

I am now 63.6% on my way to achive my FIRE target of CAD 1,750,000. This is 3.4 percentage points closer, compared to the last net worth update.

CAD 1,113,011 FIRE target: CAD 1,750,000


63.6%

FI portfolio

My FI portfolio now consists of CAD 364,210 (32.7%) in investments, CAD 722,484 (64.9%) in retirement accounts, and CAD 26,317 (2.4%) in cash.

Investments

Since my last update, my investments increased with CAD 13,478 (3.84%), 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 68,876 (10.54%), 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 3,710 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
3,710/month
(4.0% SWR)
3,246/month
(3.5% SWR)
2,782/month
(3.0% SWR)


When can I retire?

FI date

My age

52

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 0 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another CAD 34,575, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 602,414


Financial independence forecast