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Net worth update per


This is Finanzgedanken's #8 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CHF 355,312 and my FI portfolio decreased to CHF 658,430


Net worth

CHF 355,312

Since the last update on my net worth has decreased with CHF -595 ( -0.17 %).

FI portfolio

CHF 658,430

Since the last update on my FI portfolio has decreased with CHF -403 ( -0.06 %).

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 64,387 -1,001 63,386
Investments 507,807 +862 508,669
Retirement acc 86,639 -264 86,375
Real estate 0 0 0
Other assets 63,289 -1,428 61,861
Total assets 722,122 -1,831 720,291

Mortgage 363,211 -1,081 362,130
Other debt 3,004 -155 2,849
Total debt 366,215 -1,236 364,979
Change
Cash 64,616 -1,230 63,386
Investments 509,238 -569 508,669
Retirement acc 86,194 +181 86,375
Real estate 0 0 0
Other assets 60,237 + 1,624 61,861
Total assets 720,285 +6 720,291

Mortgage 366,332 -4,202 362,130
Other debt 1,038 + 1,811 2,849
Total debt 367,370 + -2,391 364,979
Change
Cash 65,826 -2,440 63,386
Investments 412,500 +96,169 508,669
Retirement acc 82,055 +4,320 86,375
Real estate 0 0 0
Other assets 59,134 + 2,727 61,861
Total assets 619,515 +100,776 720,291

Mortgage 284,508 77,622 362,130
Other debt 3,134 -285 2,849
Total debt 287,642 + 77,337 364,979

I am now 54.9% on my way to achive my FIRE target of CHF 1,200,000. This is -0.0 percentage points closer, compared to the last net worth update.

CHF 658,430 FIRE target: CHF 1,200,000


54.9%

FI portfolio

My FI portfolio now consists of CHF 508,669 (77.3%) in investments, CHF 86,375 (13.1%) in retirement accounts, and CHF 63,386 (9.6%) in cash.

Investments

Since my last update, my investments increased with CHF 862 (0.17%).

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 decreased with CHF -264 (-0.3%), 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 2,194 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,194/month
(4.0% SWR)
1,920/month
(3.5% SWR)
1,646/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 -3 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 276,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 265,570


Financial independence forecast