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Net worth update per


This is Finanzgedanken's #39 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CHF 561,984 and my FI portfolio decreased to CHF 1,045,220


Net worth

CHF 561,984

Since the last update on my net worth has decreased with CHF -9,469 ( -1.66 %).

FI portfolio

CHF 1,045,220

Since the last update on my FI portfolio has decreased with CHF -11,965 ( -1.13 %).

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 111,743 +5,042 116,785
Investments 832,753 -9,178 823,575
Retirement acc 112,689 -7,829 104,860
Real estate 0 0 0
Other assets 28,784 -57 28,727
Total assets 1,085,969 -12,022 1,073,947

Mortgage 514,500 -2,698 511,802
Other debt 16 + 145 161
Total debt 514,516 + -2,553 511,963
Change
Cash 82,019 +34,766 116,785
Investments 815,363 +8,212 823,575
Retirement acc 126,852 -21,992 104,860
Real estate 0 0 0
Other assets 37,048 -8,321 28,727
Total assets 1,061,282 +12,665 1,073,947

Mortgage 490,554 21,248 511,802
Other debt 0 + 161 161
Total debt 490,554 + 21,409 511,963
Change
Cash 65,826 +50,959 116,785
Investments 412,500 +411,075 823,575
Retirement acc 82,055 +22,805 104,860
Real estate 0 0 0
Other assets 59,134 -30,407 28,727
Total assets 619,515 +454,432 1,073,947

Mortgage 284,508 227,294 511,802
Other debt 3,134 -2,973 161
Total debt 287,642 + 224,321 511,963

I am now 87.1% on my way to achive my FIRE target of CHF 1,200,000. This is -1.0 percentage points closer, compared to the last net worth update.

CHF 1,045,220 FIRE target: CHF 1,200,000


87.1%

FI portfolio

My FI portfolio now consists of CHF 823,575 (78.8%) in investments, CHF 104,860 (10.0%) in retirement accounts, and CHF 116,785 (11.2%) in cash.

Investments

Since my last update, my investments decreased with CHF -9,178 (-1.1%), 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 decreased with CHF -7,829 (-6.95%), 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 3,484 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
3,484/month
(4.0% SWR)
3,048/month
(3.5% SWR)
2,613/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 -6 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 78,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 76,780


Financial independence forecast