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Net worth update per


This is Finanzgedanken's #17 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 435,304 and my FI portfolio increased to CHF 755,803


Net worth

CHF 435,304

Since the last update on my net worth has increased with CHF 23,410 (+ 5.68 %).

FI portfolio

CHF 755,803

Since the last update on my FI portfolio has increased with CHF 25,477 (+ 3.49 %).

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 79,320 +6,537 85,857
Investments 563,216 +10,938 574,154
Retirement acc 87,790 +8,002 95,792
Real estate 0 0 0
Other assets 41,545 -375 41,170
Total assets 771,871 +25,102 796,973

Mortgage 359,616 1,944 361,560
Other debt 361 -252 109
Total debt 359,977 1,692 361,669
Change
Cash 64,616 +21,241 85,857
Investments 509,238 +64,916 574,154
Retirement acc 86,194 +9,598 95,792
Real estate 0 0 0
Other assets 60,237 -19,067 41,170
Total assets 720,285 +76,688 796,973

Mortgage 366,332 -4,772 361,560
Other debt 1,038 -929 109
Total debt 367,370 -5,701 361,669
Change
Cash 65,826 +20,031 85,857
Investments 412,500 +161,654 574,154
Retirement acc 82,055 +13,737 95,792
Real estate 0 0 0
Other assets 59,134 -17,964 41,170
Total assets 619,515 +177,458 796,973

Mortgage 284,508 77,052 361,560
Other debt 3,134 -3,025 109
Total debt 287,642 + 74,027 361,669

I am now 63.0% on my way to achive my FIRE target of CHF 1,200,000. This is 2.1 percentage points closer, compared to the last net worth update.

CHF 755,803 FIRE target: CHF 1,200,000


63.0%

FI portfolio

My FI portfolio now consists of CHF 574,154 (76.0%) in investments, CHF 95,792 (12.7%) in retirement accounts, and CHF 85,857 (11.4%) in cash.

Investments

Since my last update, my investments increased with CHF 10,938 (1.94%).

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 8,002 (9.11%), 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 2,519 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,519/month
(4.0% SWR)
2,204/month
(3.5% SWR)
1,889/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 222,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 222,197


Financial independence forecast