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Net worth update per


This is gammj's #237 net worth update. Please check out my profile here for more information. As of , my net worth increased to CAD 2,204,206 and my FI portfolio increased to CAD 1,851,030


Net worth

CAD 2,204,206

Since the last update on my net worth has increased with CAD 48,318 (+ 2.24 %).

FI portfolio

CAD 1,851,030

Since the last update on my FI portfolio has increased with CAD 40,867 (+ 2.26 %).

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 69,842 +5,812 75,654
Investments 529,864 +9,024 538,888
Retirement acc 1,210,457 +26,031 1,236,488
Real estate 502,500 + 6,900 509,400
Other assets 12,300 0 12,300
Total assets 2,324,963 +47,767 2,372,730

Mortgage 169,075 -551 168,524
Other debt 0 0 0
Total debt 169,075 -551 168,524
Change
Cash 102,152 -26,498 75,654
Investments 471,412 +67,476 538,888
Retirement acc 988,516 +247,972 1,236,488
Real estate 498,100 + 11,300 509,400
Other assets 16,125 -3,825 12,300
Total assets 2,076,305 +296,425 2,372,730

Mortgage 183,104 -14,580 168,524
Other debt 28,597 -28,597 0
Total debt 211,701 -43,177 168,524
Change
Cash 14,284 +61,370 75,654
Investments 0 +538,888 538,888
Retirement acc 3,331 +1,233,157 1,236,488
Real estate 0 + 509,400 509,400
Other assets 0 + 12,300 12,300
Total assets 17,615 +2,355,115 2,372,730

Mortgage 0 168,524 168,524
Other debt 0 0 0
Total debt 0 + 168,524 168,524

I am now 83.4% on my way to achive my FIRE target of CAD 2,219,951. This is 1.8 percentage points closer, compared to the last net worth update.

CAD 1,851,030 FIRE target: CAD 2,219,951


83.4%

FI portfolio

My FI portfolio now consists of CAD 538,888 (29.1%) in investments, CAD 1,236,488 (66.8%) in retirement accounts, and CAD 75,654 (4.1%) in cash.

Investments

Since my last update, my investments increased with CAD 9,024 (1.7%), of which CAD 5 was from contributions, and CAD 9,019 was from returns.

Since I started tracking, my total contributions have been CAD 224, and my total return has been CAD 538,664.

Retirement accounts

Since my last update, my retirement accounts increased with CAD 26,031 (2.15%), of which CAD 5 was from contributions , and CAD 26,026 was from returns.

Since I started tracking, my total contributions have been CAD 224, and my total return is CAD 1,232,933.




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

If I quit working today, my monthly pay out would be CAD 6,170 for the rest of my life.


Monthly SWR amount
Retire today with (CAD)
6,170/month
(4.0% SWR)
5,398/month
(3.5% SWR)
4,627/month
(3.0% SWR)


When can I retire?

FI date

My age

51

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 2 years and 6 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another CAD 14,291, while the rest will be return on my existing FI portfolio and the new investments, in total CAD 354,630


Financial independence forecast