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Net worth update per January 9th 2023


This is FIRELINE's #8 net worth update. Please check out my profile here for more information. As of January 9th 2023, my net worth increased to CHF 385,682 and my FI portfolio increased to CHF 385,682


Net worth

CHF 385,682

Since the last update on January 6th 2023 my net worth has increased with CHF 8,292 (+ 2.2 %).

FI portfolio

CHF 385,682

Since the last update on January 6th 2023 my FI portfolio has increased with CHF 8,292 (+ 2.2 %).

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.
6 Jan 23 Change 9 Jan 23
Cash 47,852 +6,111 53,963
Investments 171,076 +2,257 173,333
Retirement acc 158,462 -76 158,386
Real estate 0 0 0
Other assets 0 0 0
Total assets 377,390 +8,292 385,682

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
23 Nov 22 Change 9 Jan 23
Cash 58,031 -4,068 53,963
Investments 174,048 -715 173,333
Retirement acc 133,052 +25,334 158,386
Real estate 0 0 0
Other assets 0 0 0
Total assets 365,131 +20,551 385,682

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
30 Nov 21 Change 9 Jan 23
Cash 87,104 -33,141 53,963
Investments 136,924 +36,409 173,333
Retirement acc 96,746 +61,640 158,386
Real estate 0 0 0
Other assets 0 0 0
Total assets 320,774 +64,908 385,682

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 38.6% on my way to achive my FIRE target of CHF 1,000,000. This is 0.8 percentage points closer, compared to the last net worth update.

CHF 385,682 FIRE target: CHF 1,000,000


38.6%

FI portfolio

My FI portfolio now consists of CHF 173,333 (44.9%) in investments, CHF 158,386 (41.1%) in retirement accounts, and CHF 53,963 (14.0%) in cash.

Investments

Since my last update, my investments increased with CHF 2,257 (1.32%).

Since I started tracking, my total contributions have been CHF 7,029, and my total return has been CHF 259,259.

Retirement accounts

Since my last update, my retirement accounts decreased with CHF -76 (-0.05%).

Since I started tracking, my total contributions have been CHF 14,342, and my total return is CHF 183,974.




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

If I quit working today, my monthly pay out would be CHF 1,285 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
1,285/month
(4.0% SWR)
1,124/month
(3.5% SWR)
964/month
(3.0% SWR)


When can I retire?

FI date

September 2028

My age

42

I am currently aiming to save/invest approximately CHF 6,400 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of CHF 1,000,000 in 3 years and 3 months, in September 2028, and at that time I will be 42 years old.

By that time I will have invested/saved another CHF 435,200, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 179,118


Financial independence forecast