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Net worth update per


This is Finanzgedanken's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 504,331 and my FI portfolio increased to CHF 826,385


Net worth

CHF 504,331

Since the last update on my net worth has increased with CHF 27,121 (+ 5.68 %).

FI portfolio

CHF 826,385

Since the last update on my FI portfolio has increased with CHF 26,284 (+ 3.29 %).

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 91,759 +21,831 113,590
Investments 594,203 +2,738 596,941
Retirement acc 114,139 +1,715 115,854
Real estate 0 0 0
Other assets 40,297 -390 39,907
Total assets 840,398 +25,894 866,292

Mortgage 363,156 -1,195 361,961
Other debt 32 -32 0
Total debt 363,188 -1,227 361,961
Change
Cash 87,558 +26,032 113,590
Investments 577,053 +19,888 596,941
Retirement acc 98,169 +17,685 115,854
Real estate 0 0 0
Other assets 40,591 -684 39,907
Total assets 803,371 +62,921 866,292

Mortgage 361,137 824 361,961
Other debt 65 -65 0
Total debt 361,202 759 361,961
Change
Cash 65,826 +47,764 113,590
Investments 412,500 +184,441 596,941
Retirement acc 82,055 +33,799 115,854
Real estate 0 0 0
Other assets 59,134 -19,227 39,907
Total assets 619,515 +246,777 866,292

Mortgage 284,508 77,453 361,961
Other debt 3,134 -3,134 0
Total debt 287,642 + 74,319 361,961

I am now 68.9% on my way to achive my FIRE target of CHF 1,200,000. This is 2.2 percentage points closer, compared to the last net worth update.

CHF 826,385 FIRE target: CHF 1,200,000


68.9%

FI portfolio

My FI portfolio now consists of CHF 596,941 (72.2%) in investments, CHF 115,854 (14.0%) in retirement accounts, and CHF 113,590 (13.7%) in cash.

Investments

Since my last update, my investments increased with CHF 2,738 (0.46%).

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 1,715 (1.5%), 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 2,754 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,754/month
(4.0% SWR)
2,410/month
(3.5% SWR)
2,065/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 186,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 187,615


Financial independence forecast