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This is Finanzgedanken's #46 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 632,380 and my FI portfolio increased to CHF 1,114,979


Net worth

CHF 632,380

Since the last update on my net worth has increased with CHF 7,908 (+ 1.27 %).

FI portfolio

CHF 1,114,979

Since the last update on my FI portfolio has increased with CHF 6,465 (+ 0.58 %).

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 135,044 +6,699 141,743
Investments 851,106 +387 851,493
Retirement acc 122,364 -621 121,743
Real estate 0 0 0
Other assets 28,707 -24 28,683
Total assets 1,137,221 +6,441 1,143,662

Mortgage 512,725 -1,474 511,251
Other debt 24 + 7 31
Total debt 512,749 + -1,467 511,282
Change
Cash 124,494 +17,249 141,743
Investments 837,917 +13,576 851,493
Retirement acc 104,654 +17,089 121,743
Real estate 0 0 0
Other assets 28,750 -67 28,683
Total assets 1,095,815 +47,847 1,143,662

Mortgage 511,884 -633 511,251
Other debt 0 + 31 31
Total debt 511,884 + -602 511,282
Change
Cash 65,826 +75,917 141,743
Investments 412,500 +438,993 851,493
Retirement acc 82,055 +39,688 121,743
Real estate 0 0 0
Other assets 59,134 -30,451 28,683
Total assets 619,515 +524,147 1,143,662

Mortgage 284,508 226,743 511,251
Other debt 3,134 -3,103 31
Total debt 287,642 + 223,640 511,282

I am now 92.9% on my way to achive my FIRE target of CHF 1,200,000. This is 0.5 percentage points closer, compared to the last net worth update.

CHF 1,114,979 FIRE target: CHF 1,200,000


92.9%

FI portfolio

My FI portfolio now consists of CHF 851,493 (76.4%) in investments, CHF 121,743 (10.9%) in retirement accounts, and CHF 141,743 (12.7%) in cash.

Investments

Since my last update, my investments increased with CHF 387 (0.05%), 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 -621 (-0.51%), 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 3,716 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
3,716/month
(4.0% SWR)
3,252/month
(3.5% SWR)
2,787/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 -5 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 42,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 43,021


Financial independence forecast