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Net worth update per


This is Finanzgedanken's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 338,393 and my FI portfolio decreased to CHF 562,217


Net worth

CHF 338,393

Since the last update on my net worth has increased with CHF 3,336 (+ 1.0 %).

FI portfolio

CHF 562,217

Since the last update on my FI portfolio has decreased with CHF -980 ( -0.17 %).

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 70,292 -1,538 68,754
Investments 410,070 -360 409,710
Retirement acc 82,835 +918 83,753
Real estate 0 0 0
Other assets 59,198 + 274 59,472
Total assets 622,395 -706 621,689

Mortgage 282,475 -269 282,206
Other debt 4,863 -3,773 1,090
Total debt 287,338 -4,042 283,296
Change
Cash 65,826 +2,928 68,754
Investments 412,500 -2,790 409,710
Retirement acc 82,055 +1,698 83,753
Real estate 0 0 0
Other assets 59,134 + 338 59,472
Total assets 619,515 +2,174 621,689

Mortgage 284,508 -2,302 282,206
Other debt 3,134 -2,044 1,090
Total debt 287,642 -4,346 283,296
Change
Cash 65,826 +2,928 68,754
Investments 412,500 -2,790 409,710
Retirement acc 82,055 +1,698 83,753
Real estate 0 0 0
Other assets 59,134 + 338 59,472
Total assets 619,515 +2,174 621,689

Mortgage 284,508 -2,302 282,206
Other debt 3,134 -2,044 1,090
Total debt 287,642 -4,346 283,296

I am now 46.9% on my way to achive my FIRE target of CHF 1,200,000. This is -0.1 percentage points closer, compared to the last net worth update.

CHF 562,217 FIRE target: CHF 1,200,000


46.9%

FI portfolio

My FI portfolio now consists of CHF 409,710 (72.9%) in investments, CHF 83,753 (14.9%) in retirement accounts, and CHF 68,754 (12.2%) in cash.

Investments

Since my last update, my investments decreased with CHF -360 (-0.09%).

Since I started tracking, my total contributions have been CHF 252,642, and my total return has been CHF 186,385.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 918 (1.11%), of which CHF 588 was from contributions , and CHF 5,042 was from returns.

Since I started tracking, my total contributions have been CHF 24,606, and my total return is CHF 36,950.




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

If I quit working today, my monthly pay out would be CHF 1,874 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
1,874/month
(4.0% SWR)
1,639/month
(3.5% SWR)
1,405/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 0 years and 2 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 342,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 295,783


Financial independence forecast