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Net worth update per


This is gammj's #226 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 1,977,945 and my FI portfolio increased to CAD 1,573,366


Net worth

CAD 1,977,945

Since the last update on my net worth has increased with CAD 61,320 (+ 3.2 %).

FI portfolio

CAD 1,573,366

Since the last update on my FI portfolio has increased with CAD 82,214 (+ 5.51 %).

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 65,748 +15,472 81,220
Investments 467,829 +18,254 486,083
Retirement acc 957,575 +48,488 1,006,063
Real estate 605,100 -4,100 601,000
Other assets 16,125 0 16,125
Total assets 2,112,377 +78,114 2,190,491

Mortgage 183,997 -396 183,601
Other debt 11,755 + 17,190 28,945
Total debt 195,752 + 16,794 212,546
Change
Cash 88,997 -7,777 81,220
Investments 372,088 +113,995 486,083
Retirement acc 786,463 +219,600 1,006,063
Real estate 305,000 + 296,000 601,000
Other assets 15,175 + 950 16,125
Total assets 1,567,723 +622,768 2,190,491

Mortgage 167,157 16,444 183,601
Other debt 45,742 -16,797 28,945
Total debt 212,899 -353 212,546
Change
Cash 14,284 +66,936 81,220
Investments 0 +486,083 486,083
Retirement acc 3,331 +1,002,732 1,006,063
Real estate 0 + 601,000 601,000
Other assets 0 + 16,125 16,125
Total assets 17,615 +2,172,876 2,190,491

Mortgage 0 183,601 183,601
Other debt 0 + 28,945 28,945
Total debt 0 + 212,546 212,546

I am now 89.9% on my way to achive my FIRE target of CAD 1,750,000. This is 4.7 percentage points closer, compared to the last net worth update.

CAD 1,573,366 FIRE target: CAD 1,750,000


89.9%

FI portfolio

My FI portfolio now consists of CAD 486,083 (30.9%) in investments, CAD 1,006,063 (63.9%) in retirement accounts, and CAD 81,220 (5.2%) in cash.

Investments

Since my last update, my investments increased with CAD 18,254 (3.9%), 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 48,488 (5.06%), 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 5,244 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
5,244/month
(4.0% SWR)
4,588/month
(3.5% SWR)
3,933/month
(3.0% SWR)


When can I retire?

FI date

My age

49

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 1 years and 1 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another CAD 8,759, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 167,875


Financial independence forecast