Retirement Portfolio Net Worth - As of Jan2, 2026

 The goal:

1. Retirement Assets of $4,000,000
2. Annual Passive Income of $160,000 (rental income + dividends combined)

We are currently mortgage free but won’t be including the value of our principal residence or cottage as we have no plans to sell either. We have also omitted the value of our workplace defined benefit pension plans and children’s RESP.

COMMENTARY:
I've simplified and updated our retirement goals due to a combination of higher than expected inflation as well as an increase in our spending habits. 

ASSETS.

Nov & Dec Contributions: $3,200
Retirement Equity Portfolio: $1,200,174 (UP $48,154) 
Rental Property #1: $220,000 (appraised value)
Rental Property #2: $350,000 (appraised value)
Rental Property #3: $400,000 (appraised value)
Rental Property #4: $375,000 (appraised value)
Rental Property #5: $350,000 (purchase price)

Total Retirement Assets: $2,895,174 (UP $48,154)

LIABILITIES:

Rental Property Loan #1: $27,712 (down $662)
Rental Property Loan #2: $220,904 (down $1,110)
Rental Property Loan #3: $136,478(down $3,872)
Rental Property Loan #4: $123,801 (down $935)
Rental Property Loan#5: $192,594 (down $780)

Total Liabilities: $702,489 (down $7,359)

Retirement Portfolio Net Worth: $2,192,685 (up $55,516)

Dividends Received (year to date): $32,212 (up $6,598)

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