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Net worth update per


This is Finanzgedanken's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 524,770 and my FI portfolio increased to CHF 846,437


Net worth

CHF 524,770

Since the last update on my net worth has increased with CHF 15,648 (+ 3.07 %).

FI portfolio

CHF 846,437

Since the last update on my FI portfolio has increased with CHF 15,514 (+ 1.87 %).

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 112,386 +2,692 115,078
Investments 603,024 +7,282 610,306
Retirement acc 115,513 +5,540 121,053
Real estate 0 0 0
Other assets 39,818 -257 39,561
Total assets 870,741 +15,257 885,998

Mortgage 361,619 -431 361,188
Other debt 0 + 40 40
Total debt 361,619 + -391 361,228
Change
Cash 87,558 +27,520 115,078
Investments 577,053 +33,253 610,306
Retirement acc 98,169 +22,884 121,053
Real estate 0 0 0
Other assets 40,591 -1,030 39,561
Total assets 803,371 +82,627 885,998

Mortgage 361,137 51 361,188
Other debt 65 -25 40
Total debt 361,202 26 361,228
Change
Cash 65,826 +49,252 115,078
Investments 412,500 +197,806 610,306
Retirement acc 82,055 +38,998 121,053
Real estate 0 0 0
Other assets 59,134 -19,573 39,561
Total assets 619,515 +266,483 885,998

Mortgage 284,508 76,680 361,188
Other debt 3,134 -3,094 40
Total debt 287,642 + 73,586 361,228

I am now 70.5% on my way to achive my FIRE target of CHF 1,200,000. This is 1.3 percentage points closer, compared to the last net worth update.

CHF 846,437 FIRE target: CHF 1,200,000


70.5%

FI portfolio

My FI portfolio now consists of CHF 610,306 (72.1%) in investments, CHF 121,053 (14.3%) in retirement accounts, and CHF 115,078 (13.6%) in cash.

Investments

Since my last update, my investments increased with CHF 7,282 (1.21%), of which CHF 10,000 was from contributions, and CHF -10,703 was from returns.

Since I started tracking, my total contributions have been CHF 326,898, and my total return has been CHF 147,031.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 5,540 (4.8%), of which CHF 588 was from contributions , and CHF -64 was from returns.

Since I started tracking, my total contributions have been CHF 26,958, and my total return is CHF 35,611.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be CHF 2,821 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,821/month
(4.0% SWR)
2,468/month
(3.5% SWR)
2,116/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 -1 years and -5 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 174,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 179,563


Financial independence forecast