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Net worth update per


This is gammj's #207 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 1,281,985 and my FI portfolio increased to CAD 1,144,984


Net worth

CAD 1,281,985

Since the last update on my net worth has increased with CAD 36,703 (+ 2.95 %).

FI portfolio

CAD 1,144,984

Since the last update on my FI portfolio has increased with CAD 43,320 (+ 3.93 %).

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 12,958 +15,450 28,408
Investments 366,068 +8,386 374,454
Retirement acc 722,638 +19,484 742,122
Real estate 305,000 0 305,000
Other assets 19,375 0 19,375
Total assets 1,426,039 +43,320 1,469,359

Mortgage 170,957 -342 170,615
Other debt 9,800 + 6,959 16,759
Total debt 180,757 + 6,617 187,374
Change
Cash 48,809 -20,401 28,408
Investments 350,732 +23,722 374,454
Retirement acc 653,608 +88,514 742,122
Real estate 305,000 0 305,000
Other assets 19,375 0 19,375
Total assets 1,377,524 +91,835 1,469,359

Mortgage 181,948 -11,333 170,615
Other debt 16,031 + 728 16,759
Total debt 197,979 + -10,605 187,374
Change
Cash 14,284 +14,124 28,408
Investments 0 +374,454 374,454
Retirement acc 3,331 +738,791 742,122
Real estate 0 + 305,000 305,000
Other assets 0 + 19,375 19,375
Total assets 17,615 +1,451,744 1,469,359

Mortgage 0 170,615 170,615
Other debt 0 + 16,759 16,759
Total debt 0 + 187,374 187,374

I am now 65.4% on my way to achive my FIRE target of CAD 1,750,000. This is 2.5 percentage points closer, compared to the last net worth update.

CAD 1,144,984 FIRE target: CAD 1,750,000


65.4%

FI portfolio

My FI portfolio now consists of CAD 374,454 (32.7%) in investments, CAD 742,122 (64.8%) in retirement accounts, and CAD 28,408 (2.5%) in cash.

Investments

Since my last update, my investments increased with CAD 8,386 (2.29%), of which CAD 5 was from contributions, and CAD -14,929 was from returns.

Since I started tracking, my total contributions have been CAD 189, and my total return has been CAD 476,868.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 19,484 (2.7%), of which CAD 5 was from contributions , and CAD -28,881 was from returns.

Since I started tracking, my total contributions have been CAD 189, and my total return is CAD 1,021,955.




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

If I quit working today, my monthly pay out would be CAD 3,816 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
3,816/month
(4.0% SWR)
3,339/month
(3.5% SWR)
2,862/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 3 years and 10 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another CAD 32,731, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 572,285


Financial independence forecast