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Net worth update per


This is gammj's #233 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 2,094,991 and my FI portfolio increased to CAD 1,676,101


Net worth

CAD 2,094,991

Since the last update on my net worth has increased with CAD 43,830 (+ 2.14 %).

FI portfolio

CAD 1,676,101

Since the last update on my FI portfolio has increased with CAD 48,685 (+ 2.99 %).

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 75,931 +7,132 83,063
Investments 489,902 +7,781 497,683
Retirement acc 1,061,583 +33,772 1,095,355
Real estate 607,000 -5,400 601,600
Other assets 16,125 0 16,125
Total assets 2,250,541 +43,285 2,293,826

Mortgage 170,933 -435 170,498
Other debt 28,447 -110 28,337
Total debt 199,380 -545 198,835
Change
Cash 102,152 -19,089 83,063
Investments 471,412 +26,271 497,683
Retirement acc 988,516 +106,839 1,095,355
Real estate 598,100 + 3,500 601,600
Other assets 16,125 0 16,125
Total assets 2,176,305 +117,521 2,293,826

Mortgage 183,104 -12,606 170,498
Other debt 28,597 -260 28,337
Total debt 211,701 -12,866 198,835
Change
Cash 14,284 +68,779 83,063
Investments 0 +497,683 497,683
Retirement acc 3,331 +1,092,024 1,095,355
Real estate 0 + 601,600 601,600
Other assets 0 + 16,125 16,125
Total assets 17,615 +2,276,211 2,293,826

Mortgage 0 170,498 170,498
Other debt 0 + 28,337 28,337
Total debt 0 + 198,835 198,835

I am now 95.8% on my way to achive my FIRE target of CAD 1,750,000. This is 2.8 percentage points closer, compared to the last net worth update.

CAD 1,676,101 FIRE target: CAD 1,750,000


95.8%

FI portfolio

My FI portfolio now consists of CAD 497,683 (29.7%) in investments, CAD 1,095,355 (65.4%) in retirement accounts, and CAD 83,063 (5.0%) in cash.

Investments

Since my last update, my investments increased with CAD 7,781 (1.59%), of which CAD 5 was from contributions, and CAD 7,776 was from returns.

Since I started tracking, my total contributions have been CAD 204, and my total return has been CAD 497,479.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 33,772 (3.18%), of which CAD 5 was from contributions , and CAD 33,767 was from returns.

Since I started tracking, my total contributions have been CAD 204, and my total return is CAD 1,091,820.




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

If I quit working today, my monthly pay out would be CAD 5,587 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
5,587/month
(4.0% SWR)
4,888/month
(3.5% SWR)
4,190/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 0 years and 7 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another CAD 3,688, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 70,211


Financial independence forecast