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Net worth update per


This is Finanzgedanken's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 387,583 and my FI portfolio increased to CHF 701,974


Net worth

CHF 387,583

Since the last update on my net worth has increased with CHF 9,169 (+ 2.42 %).

FI portfolio

CHF 701,974

Since the last update on my FI portfolio has increased with CHF 11,698 (+ 1.69 %).

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 77,080 -1,052 76,028
Investments 527,052 +11,799 538,851
Retirement acc 86,144 +951 87,095
Real estate 0 0 0
Other assets 55,859 -3,457 52,402
Total assets 746,135 +8,241 754,376

Mortgage 360,345 1,025 361,370
Other debt 7,376 -1,953 5,423
Total debt 367,721 -928 366,793
Change
Cash 64,616 +11,412 76,028
Investments 509,238 +29,613 538,851
Retirement acc 86,194 +901 87,095
Real estate 0 0 0
Other assets 60,237 -7,835 52,402
Total assets 720,285 +34,091 754,376

Mortgage 366,332 -4,962 361,370
Other debt 1,038 + 4,385 5,423
Total debt 367,370 + -577 366,793
Change
Cash 65,826 +10,202 76,028
Investments 412,500 +126,351 538,851
Retirement acc 82,055 +5,040 87,095
Real estate 0 0 0
Other assets 59,134 -6,732 52,402
Total assets 619,515 +134,861 754,376

Mortgage 284,508 76,862 361,370
Other debt 3,134 + 2,289 5,423
Total debt 287,642 + 79,151 366,793

I am now 58.5% on my way to achive my FIRE target of CHF 1,200,000. This is 1.0 percentage points closer, compared to the last net worth update.

CHF 701,974 FIRE target: CHF 1,200,000


58.5%

FI portfolio

My FI portfolio now consists of CHF 538,851 (76.8%) in investments, CHF 87,095 (12.4%) in retirement accounts, and CHF 76,028 (10.8%) in cash.

Investments

Since my last update, my investments increased with CHF 11,799 (2.24%).

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 951 (1.1%), 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 2,339 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,339/month
(4.0% SWR)
2,047/month
(3.5% SWR)
1,754/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 -4 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 252,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 246,026


Financial independence forecast