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This is Finanzgedanken's #41 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 585,801 and my FI portfolio increased to CHF 1,074,477


Net worth

CHF 585,801

Since the last update on my net worth has increased with CHF 7,443 (+ 1.29 %).

FI portfolio

CHF 1,074,477

Since the last update on my FI portfolio has increased with CHF 10,276 (+ 0.97 %).

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 117,778 +8,536 126,314
Investments 838,106 +1,626 839,732
Retirement acc 108,317 +114 108,431
Real estate 0 0 0
Other assets 28,759 -29 28,730
Total assets 1,092,960 +10,247 1,103,207

Mortgage 514,437 735 515,172
Other debt 165 + 2,069 2,234
Total debt 514,602 + 2,804 517,406
Change
Cash 82,019 +44,295 126,314
Investments 815,363 +24,369 839,732
Retirement acc 126,852 -18,421 108,431
Real estate 0 0 0
Other assets 37,048 -8,318 28,730
Total assets 1,061,282 +41,925 1,103,207

Mortgage 490,554 24,618 515,172
Other debt 0 + 2,234 2,234
Total debt 490,554 + 26,852 517,406
Change
Cash 65,826 +60,488 126,314
Investments 412,500 +427,232 839,732
Retirement acc 82,055 +26,376 108,431
Real estate 0 0 0
Other assets 59,134 -30,404 28,730
Total assets 619,515 +483,692 1,103,207

Mortgage 284,508 230,664 515,172
Other debt 3,134 -900 2,234
Total debt 287,642 + 229,764 517,406

I am now 89.5% on my way to achive my FIRE target of CHF 1,200,000. This is 0.9 percentage points closer, compared to the last net worth update.

CHF 1,074,477 FIRE target: CHF 1,200,000


89.5%

FI portfolio

My FI portfolio now consists of CHF 839,732 (78.2%) in investments, CHF 108,431 (10.1%) in retirement accounts, and CHF 126,314 (11.8%) in cash.

Investments

Since my last update, my investments increased with CHF 1,626 (0.19%), 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 114 (0.11%), 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 3,581 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
3,581/month
(4.0% SWR)
3,133/month
(3.5% SWR)
2,686/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 -7 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 60,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 65,523


Financial independence forecast