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Net worth update per


This is gammj's #209 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 1,279,074 and my FI portfolio increased to CAD 1,140,898


Net worth

CAD 1,279,074

Since the last update on my net worth has increased with CAD 30,846 (+ 2.47 %).

FI portfolio

CAD 1,140,898

Since the last update on my FI portfolio has increased with CAD 30,093 (+ 2.71 %).

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 37,655 +2,227 39,882
Investments 357,394 +9,570 366,964
Retirement acc 715,756 +18,296 734,052
Real estate 305,000 0 305,000
Other assets 19,375 0 19,375
Total assets 1,435,180 +30,093 1,465,273

Mortgage 170,272 -743 169,529
Other debt 16,680 -10 16,670
Total debt 186,952 -753 186,199
Change
Cash 48,809 -8,927 39,882
Investments 350,732 +16,232 366,964
Retirement acc 653,608 +80,444 734,052
Real estate 305,000 0 305,000
Other assets 19,375 0 19,375
Total assets 1,377,524 +87,749 1,465,273

Mortgage 181,948 -12,419 169,529
Other debt 16,031 + 639 16,670
Total debt 197,979 + -11,780 186,199
Change
Cash 14,284 +25,598 39,882
Investments 0 +366,964 366,964
Retirement acc 3,331 +730,721 734,052
Real estate 0 + 305,000 305,000
Other assets 0 + 19,375 19,375
Total assets 17,615 +1,447,658 1,465,273

Mortgage 0 169,529 169,529
Other debt 0 + 16,670 16,670
Total debt 0 + 186,199 186,199

I am now 65.2% on my way to achive my FIRE target of CAD 1,750,000. This is 1.7 percentage points closer, compared to the last net worth update.

CAD 1,140,898 FIRE target: CAD 1,750,000


65.2%

FI portfolio

My FI portfolio now consists of CAD 366,964 (32.2%) in investments, CAD 734,052 (64.3%) in retirement accounts, and CAD 39,882 (3.5%) in cash.

Investments

Since my last update, my investments increased with CAD 9,570 (2.68%), of which CAD 5 was from contributions, and CAD -6,585 was from returns.

Since I started tracking, my total contributions have been CAD 139, and my total return has been CAD 387,032.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 18,296 (2.56%), of which CAD 5 was from contributions , and CAD -15,848 was from returns.

Since I started tracking, my total contributions have been CAD 139, and my total return is CAD 855,555.




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

If I quit working today, my monthly pay out would be CAD 3,802 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
3,802/month
(4.0% SWR)
3,327/month
(3.5% SWR)
2,852/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 1 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another CAD 33,192, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 575,910


Financial independence forecast