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Net worth update per


This is Finanzgedanken's #2 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 335,057 and my FI portfolio increased to CHF 563,197


Net worth

CHF 335,057

Since the last update on my net worth has increased with CHF 3,184 (+ 0.96 %).

FI portfolio

CHF 563,197

Since the last update on my FI portfolio has increased with CHF 2,816 (+ 0.5 %).

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 CHF.
Change
Cash 65,826 +4,466 70,292
Investments 412,500 -2,430 410,070
Retirement acc 82,055 +780 82,835
Real estate 0 0 0
Other assets 59,134 + 64 59,198
Total assets 619,515 +2,880 622,395

Mortgage 284,508 -2,033 282,475
Other debt 3,134 + 1,729 4,863
Total debt 287,642 + -304 287,338
Change
Cash 65,826 +4,466 70,292
Investments 412,500 -2,430 410,070
Retirement acc 82,055 +780 82,835
Real estate 0 0 0
Other assets 59,134 + 64 59,198
Total assets 619,515 +2,880 622,395

Mortgage 284,508 -2,033 282,475
Other debt 3,134 + 1,729 4,863
Total debt 287,642 + -304 287,338
Change
Cash 65,826 +4,466 70,292
Investments 412,500 -2,430 410,070
Retirement acc 82,055 +780 82,835
Real estate 0 0 0
Other assets 59,134 + 64 59,198
Total assets 619,515 +2,880 622,395

Mortgage 284,508 -2,033 282,475
Other debt 3,134 + 1,729 4,863
Total debt 287,642 -304 287,338

I am now 46.9% on my way to achive my FIRE target of CHF 1,200,000. This is 0.2 percentage points closer, compared to the last net worth update.

CHF 563,197 FIRE target: CHF 1,200,000


46.9%

FI portfolio

My FI portfolio now consists of CHF 410,070 (72.8%) in investments, CHF 82,835 (14.7%) in retirement accounts, and CHF 70,292 (12.5%) in cash.

Investments

Since my last update, my investments decreased with CHF -2,430 (-0.59%), of which CHF 10,000 was from contributions, and CHF -10,703 was from returns.

Since I started tracking, my total contributions have been CHF 326,898, and my total return has been CHF 147,031.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 780 (0.95%), of which CHF 588 was from contributions , and CHF -64 was from returns.

Since I started tracking, my total contributions have been CHF 26,958, and my total return is CHF 35,611.




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

If I quit working today, my monthly pay out would be CHF 1,877 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
1,877/month
(4.0% SWR)
1,642/month
(3.5% SWR)
1,407/month
(3.0% SWR)


When can I retire?

FI date

My age

38

I am currently aiming to save/invest approximately CHF 6,000 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of CHF 1,200,000 in -1 years and 0 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 336,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 300,803


Financial independence forecast