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Net worth update per


This is Finanzgedanken's #38 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CHF 571,453 and my FI portfolio increased to CHF 1,057,185


Net worth

CHF 571,453

Since the last update on my net worth has decreased with CHF -1,180 ( -0.21 %).

FI portfolio

CHF 1,057,185

Since the last update on my FI portfolio has increased with CHF 5,399 (+ 0.51 %).

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 106,436 +5,307 111,743
Investments 830,339 +2,414 832,753
Retirement acc 115,011 -2,322 112,689
Real estate 0 0 0
Other assets 34,394 -5,610 28,784
Total assets 1,086,180 -211 1,085,969

Mortgage 513,462 1,038 514,500
Other debt 85 -69 16
Total debt 513,547 969 514,516
Change
Cash 82,019 +29,724 111,743
Investments 815,363 +17,390 832,753
Retirement acc 126,852 -14,163 112,689
Real estate 0 0 0
Other assets 37,048 -8,264 28,784
Total assets 1,061,282 +24,687 1,085,969

Mortgage 490,554 23,946 514,500
Other debt 0 + 16 16
Total debt 490,554 + 23,962 514,516
Change
Cash 65,826 +45,917 111,743
Investments 412,500 +420,253 832,753
Retirement acc 82,055 +30,634 112,689
Real estate 0 0 0
Other assets 59,134 -30,350 28,784
Total assets 619,515 +466,454 1,085,969

Mortgage 284,508 229,992 514,500
Other debt 3,134 -3,118 16
Total debt 287,642 + 226,874 514,516

I am now 88.1% on my way to achive my FIRE target of CHF 1,200,000. This is 0.4 percentage points closer, compared to the last net worth update.

CHF 1,057,185 FIRE target: CHF 1,200,000


88.1%

FI portfolio

My FI portfolio now consists of CHF 832,753 (78.8%) in investments, CHF 112,689 (10.7%) in retirement accounts, and CHF 111,743 (10.6%) in cash.

Investments

Since my last update, my investments increased with CHF 2,414 (0.29%).

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 decreased with CHF -2,322 (-2.02%), 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 3,523 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
3,523/month
(4.0% SWR)
3,083/month
(3.5% SWR)
2,642/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 -7 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 70,815


Financial independence forecast