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Net worth update per


This is gammj's #232 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 2,051,161 and my FI portfolio increased to CAD 1,627,416


Net worth

CAD 2,051,161

Since the last update on my net worth has increased with CAD 81,436 (+ 4.13 %).

FI portfolio

CAD 1,627,416

Since the last update on my FI portfolio has increased with CAD 79,590 (+ 5.14 %).

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 71,251 +4,680 75,931
Investments 467,218 +22,684 489,902
Retirement acc 1,009,357 +52,226 1,061,583
Real estate 605,500 + 1,500 607,000
Other assets 16,125 0 16,125
Total assets 2,169,451 +81,090 2,250,541

Mortgage 171,259 -326 170,933
Other debt 28,467 -20 28,447
Total debt 199,726 -346 199,380
Change
Cash 102,152 -26,221 75,931
Investments 471,412 +18,490 489,902
Retirement acc 988,516 +73,067 1,061,583
Real estate 598,100 + 8,900 607,000
Other assets 16,125 0 16,125
Total assets 2,176,305 +74,236 2,250,541

Mortgage 183,104 -12,171 170,933
Other debt 28,597 -150 28,447
Total debt 211,701 -12,321 199,380
Change
Cash 14,284 +61,647 75,931
Investments 0 +489,902 489,902
Retirement acc 3,331 +1,058,252 1,061,583
Real estate 0 + 607,000 607,000
Other assets 0 + 16,125 16,125
Total assets 17,615 +2,232,926 2,250,541

Mortgage 0 170,933 170,933
Other debt 0 + 28,447 28,447
Total debt 0 + 199,380 199,380

I am now 93.0% on my way to achive my FIRE target of CAD 1,750,000. This is 4.5 percentage points closer, compared to the last net worth update.

CAD 1,627,416 FIRE target: CAD 1,750,000


93.0%

FI portfolio

My FI portfolio now consists of CAD 489,902 (30.1%) in investments, CAD 1,061,583 (65.2%) in retirement accounts, and CAD 75,931 (4.7%) in cash.

Investments

Since my last update, my investments increased with CAD 22,684 (4.86%), of which CAD 5 was from contributions, and CAD 22,679 was from returns.

Since I started tracking, my total contributions have been CAD 199, and my total return has been CAD 489,703.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 52,226 (5.17%), of which CAD 5 was from contributions , and CAD 52,221 was from returns.

Since I started tracking, my total contributions have been CAD 199, and my total return is CAD 1,058,053.




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

If I quit working today, my monthly pay out would be CAD 5,424 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
5,424/month
(4.0% SWR)
4,746/month
(3.5% SWR)
4,068/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 0 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another CAD 5,993, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 116,591


Financial independence forecast