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Net worth update per


This is Finanzgedanken's #37 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 572,633 and my FI portfolio increased to CHF 1,051,786


Net worth

CHF 572,633

Since the last update on my net worth has increased with CHF 18,565 (+ 3.35 %).

FI portfolio

CHF 1,051,786

Since the last update on my FI portfolio has increased with CHF 13,753 (+ 1.32 %).

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 103,077 +3,359 106,436
Investments 826,532 +3,807 830,339
Retirement acc 108,424 +6,587 115,011
Real estate 0 0 0
Other assets 34,590 -196 34,394
Total assets 1,072,623 +13,557 1,086,180

Mortgage 518,329 -4,867 513,462
Other debt 226 -141 85
Total debt 518,555 -5,008 513,547
Change
Cash 82,019 +24,417 106,436
Investments 815,363 +14,976 830,339
Retirement acc 126,852 -11,841 115,011
Real estate 0 0 0
Other assets 37,048 -2,654 34,394
Total assets 1,061,282 +24,898 1,086,180

Mortgage 490,554 22,908 513,462
Other debt 0 + 85 85
Total debt 490,554 + 22,993 513,547
Change
Cash 65,826 +40,610 106,436
Investments 412,500 +417,839 830,339
Retirement acc 82,055 +32,956 115,011
Real estate 0 0 0
Other assets 59,134 -24,740 34,394
Total assets 619,515 +466,665 1,086,180

Mortgage 284,508 228,954 513,462
Other debt 3,134 -3,049 85
Total debt 287,642 + 225,905 513,547

I am now 87.6% on my way to achive my FIRE target of CHF 1,200,000. This is 1.1 percentage points closer, compared to the last net worth update.

CHF 1,051,786 FIRE target: CHF 1,200,000


87.6%

FI portfolio

My FI portfolio now consists of CHF 830,339 (78.9%) in investments, CHF 115,011 (10.9%) in retirement accounts, and CHF 106,436 (10.1%) in cash.

Investments

Since my last update, my investments increased with CHF 3,807 (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 6,587 (6.08%), 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 3,505 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
3,505/month
(4.0% SWR)
3,067/month
(3.5% SWR)
2,629/month
(3.0% SWR)


When can I retire?

FI date

My age

37

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 -8 months, in , and at that time I will be 37 years old.

By that time I will have invested/saved another CHF 72,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 76,214


Financial independence forecast