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Net worth update per


This is Portemonnaie's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 422,515 and my FI portfolio increased to CHF 235,515


Net worth

CHF 422,515

Since the last update on my net worth has increased with CHF 12,413 (+ 3.03 %).

FI portfolio

CHF 235,515

Since the last update on my FI portfolio has increased with CHF 12,413 (+ 5.56 %).

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 11,045 -7,630 3,415
Investments 124,200 +16,315 140,515
Retirement acc 87,857 +3,728 91,585
Real estate 810,000 0 810,000
Other assets 25,000 0 25,000
Total assets 1,058,102 +12,413 1,070,515

Mortgage 648,000 0 648,000
Other debt 0 0 0
Total debt 648,000 0 648,000
Change
Cash 3,800 -385 3,415
Investments 110,700 +29,815 140,515
Retirement acc 87,857 +3,728 91,585
Real estate 810,000 0 810,000
Other assets 25,000 0 25,000
Total assets 1,037,357 +33,158 1,070,515

Mortgage 648,000 0 648,000
Other debt 0 0 0
Total debt 648,000 0 648,000
Change
Cash 3,800 -385 3,415
Investments 110,700 +29,815 140,515
Retirement acc 87,857 +3,728 91,585
Real estate 810,000 0 810,000
Other assets 25,000 0 25,000
Total assets 1,037,357 +33,158 1,070,515

Mortgage 648,000 0 648,000
Other debt 0 0 0
Total debt 648,000 0 648,000

I am now 11.8% on my way to achive my FIRE target of CHF 2,000,000. This is 0.6 percentage points closer, compared to the last net worth update.

CHF 235,515 FIRE target: CHF 2,000,000


11.8%

FI portfolio

My FI portfolio now consists of CHF 140,515 (59.7%) in investments, CHF 91,585 (38.9%) in retirement accounts, and CHF 3,415 (1.5%) in cash.

Investments

Since my last update, my investments increased with CHF 16,315 (13.14%), of which CHF 8,280 was from contributions, and CHF 8,035 was from returns.

Since I started tracking, my total contributions have been CHF 10,780, and my total return has been CHF 19,035.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 3,728 (4.24%), of which CHF 3,728 was from contributions , and CHF 0 was from returns.

Since I started tracking, my total contributions have been CHF 6,024, and my total return is CHF -2,296.




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

If I quit working today, my monthly pay out would be CHF 785 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
785/month
(4.0% SWR)
686/month
(3.5% SWR)
588/month
(3.0% SWR)


When can I retire?

FI date

My age

56

I am currently aiming to save/invest approximately CHF 1,774 each month.

Assuming an annual return of 9% on my investments and my retirement accounts, I aim to reach my FIRE target of CHF 2,000,000 in 14 years and 7 months, in , and at that time I will be 56 years old.

By that time I will have invested/saved another CHF 370,766, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 1,393,719


Financial independence forecast