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Net worth update per


This is Finanzgedanken's #16 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CHF 411,894 and my FI portfolio decreased to CHF 730,326


Net worth

CHF 411,894

Since the last update on my net worth has decreased with CHF -1,643 ( -0.4 %).

FI portfolio

CHF 730,326

Since the last update on my FI portfolio has decreased with CHF -2,430 ( -0.33 %).

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 82,995 -3,675 79,320
Investments 559,706 +3,510 563,216
Retirement acc 90,055 -2,265 87,790
Real estate 0 0 0
Other assets 42,733 -1,188 41,545
Total assets 775,489 -3,618 771,871

Mortgage 361,952 -2,336 359,616
Other debt 0 + 361 361
Total debt 361,952 + -1,975 359,977
Change
Cash 64,616 +14,704 79,320
Investments 509,238 +53,978 563,216
Retirement acc 86,194 +1,596 87,790
Real estate 0 0 0
Other assets 60,237 -18,692 41,545
Total assets 720,285 +51,586 771,871

Mortgage 366,332 -6,716 359,616
Other debt 1,038 -677 361
Total debt 367,370 -7,393 359,977
Change
Cash 65,826 +13,494 79,320
Investments 412,500 +150,716 563,216
Retirement acc 82,055 +5,735 87,790
Real estate 0 0 0
Other assets 59,134 -17,589 41,545
Total assets 619,515 +152,356 771,871

Mortgage 284,508 75,108 359,616
Other debt 3,134 -2,773 361
Total debt 287,642 + 72,335 359,977

I am now 60.9% 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 730,326 FIRE target: CHF 1,200,000


60.9%

FI portfolio

My FI portfolio now consists of CHF 563,216 (77.1%) in investments, CHF 87,790 (12.0%) in retirement accounts, and CHF 79,320 (10.9%) in cash.

Investments

Since my last update, my investments increased with CHF 3,510 (0.63%).

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 -2,265 (-2.52%), 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 2,434 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,434/month
(4.0% SWR)
2,130/month
(3.5% SWR)
1,825/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 -1 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 240,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 229,674


Financial independence forecast