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Net worth update per


This is gammj's #213 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 1,251,002 and my FI portfolio increased to CAD 1,136,988


Net worth

CAD 1,251,002

Since the last update on my net worth has increased with CAD 7,064 (+ 0.57 %).

FI portfolio

CAD 1,136,988

Since the last update on my FI portfolio has increased with CAD 6,460 (+ 0.57 %).

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 54,526 +18,639 73,165
Investments 351,759 -4,325 347,434
Retirement acc 724,243 -7,854 716,389
Real estate 305,000 0 305,000
Other assets 15,175 0 15,175
Total assets 1,450,703 +6,460 1,457,163

Mortgage 168,295 -437 167,858
Other debt 38,470 -167 38,303
Total debt 206,765 -604 206,161
Change
Cash 48,809 +24,356 73,165
Investments 350,732 -3,298 347,434
Retirement acc 653,608 +62,781 716,389
Real estate 305,000 0 305,000
Other assets 19,375 -4,200 15,175
Total assets 1,377,524 +79,639 1,457,163

Mortgage 181,948 -14,090 167,858
Other debt 16,031 + 22,272 38,303
Total debt 197,979 + 8,182 206,161
Change
Cash 14,284 +58,881 73,165
Investments 0 +347,434 347,434
Retirement acc 3,331 +713,058 716,389
Real estate 0 + 305,000 305,000
Other assets 0 + 15,175 15,175
Total assets 17,615 +1,439,548 1,457,163

Mortgage 0 167,858 167,858
Other debt 0 + 38,303 38,303
Total debt 0 + 206,161 206,161

I am now 65.0% on my way to achive my FIRE target of CAD 1,750,000. This is 0.4 percentage points closer, compared to the last net worth update.

CAD 1,136,988 FIRE target: CAD 1,750,000


65.0%

FI portfolio

My FI portfolio now consists of CAD 347,434 (30.6%) in investments, CAD 716,389 (63.0%) in retirement accounts, and CAD 73,165 (6.4%) in cash.

Investments

Since my last update, my investments decreased with CAD -4,325 (-1.23%), 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 decreased with CAD -7,854 (-1.08%), 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 3,789 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
3,789/month
(4.0% SWR)
3,316/month
(3.5% SWR)
2,842/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 6 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another CAD 33,653, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 579,359


Financial independence forecast