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Net worth update per


This is gammj's #235 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 2,195,116 and my FI portfolio increased to CAD 1,735,703


Net worth

CAD 2,195,116

Since the last update on my net worth has increased with CAD 63,455 (+ 2.98 %).

FI portfolio

CAD 1,735,703

Since the last update on my FI portfolio has increased with CAD 52,415 (+ 3.11 %).

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 61,582 +1,575 63,157
Investments 502,989 +13,293 516,282
Retirement acc 1,118,717 +37,547 1,156,264
Real estate 602,200 + 10,500 612,700
Other assets 16,125 0 16,125
Total assets 2,301,613 +62,915 2,364,528

Mortgage 169,952 -540 169,412
Other debt 0 0 0
Total debt 169,952 -540 169,412
Change
Cash 102,152 -38,995 63,157
Investments 471,412 +44,870 516,282
Retirement acc 988,516 +167,748 1,156,264
Real estate 598,100 + 14,600 612,700
Other assets 16,125 0 16,125
Total assets 2,176,305 +188,223 2,364,528

Mortgage 183,104 -13,692 169,412
Other debt 28,597 -28,597 0
Total debt 211,701 -42,289 169,412
Change
Cash 14,284 +48,873 63,157
Investments 0 +516,282 516,282
Retirement acc 3,331 +1,152,933 1,156,264
Real estate 0 + 612,700 612,700
Other assets 0 + 16,125 16,125
Total assets 17,615 +2,346,913 2,364,528

Mortgage 0 169,412 169,412
Other debt 0 0 0
Total debt 0 + 169,412 169,412

I am now 78.2% on my way to achive my FIRE target of CAD 2,219,951. This is 2.4 percentage points closer, compared to the last net worth update.

CAD 1,735,703 FIRE target: CAD 2,219,951


78.2%

FI portfolio

My FI portfolio now consists of CAD 516,282 (29.7%) in investments, CAD 1,156,264 (66.6%) in retirement accounts, and CAD 63,157 (3.6%) in cash.

Investments

Since my last update, my investments increased with CAD 13,293 (2.64%), of which CAD 5 was from contributions, and CAD 13,288 was from returns.

Since I started tracking, my total contributions have been CAD 214, and my total return has been CAD 516,068.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 37,547 (3.36%), of which CAD 5 was from contributions , and CAD 37,542 was from returns.

Since I started tracking, my total contributions have been CAD 214, and my total return is CAD 1,152,719.




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

If I quit working today, my monthly pay out would be CAD 5,785 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
5,785/month
(4.0% SWR)
5,062/month
(3.5% SWR)
4,339/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 2,219,951 in 3 years and 5 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another CAD 19,362, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 464,886


Financial independence forecast