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Net worth update per


This is FIRELINE's #21 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CHF 446,684 and my FI portfolio decreased to CHF 446,184


Net worth

CHF 446,684

Since the last update on my net worth has decreased with CHF -15,267 ( -3.3 %).

FI portfolio

CHF 446,184

Since the last update on my FI portfolio has decreased with CHF -15,267 ( -3.31 %).

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 25,035 +2,807 27,842
Investments 248,529 -18,074 230,455
Retirement acc 187,887 0 187,887
Real estate 0 0 0
Other assets 500 0 500
Total assets 461,951 -15,267 446,684

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 58,031 -30,189 27,842
Investments 174,048 +56,407 230,455
Retirement acc 133,052 +54,835 187,887
Real estate 0 0 0
Other assets 0 + 500 500
Total assets 365,131 +81,553 446,684

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 87,104 -59,262 27,842
Investments 136,924 +93,531 230,455
Retirement acc 96,746 +91,141 187,887
Real estate 0 0 0
Other assets 0 + 500 500
Total assets 320,774 +125,910 446,684

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

I am now 44.6% on my way to achive my FIRE target of CHF 1,000,000. This is -1.5 percentage points closer, compared to the last net worth update.

CHF 446,184 FIRE target: CHF 1,000,000


44.6%

FI portfolio

My FI portfolio now consists of CHF 230,455 (51.7%) in investments, CHF 187,887 (42.1%) in retirement accounts, and CHF 27,842 (6.2%) in cash.

Investments

Since my last update, my investments decreased with CHF -18,074 (-7.27%).

Since I started tracking, my total contributions have been CHF 7,029, and my total return has been CHF 263,485.

Retirement accounts

Since my last update, my retirement accounts decreased with CHF 0 (0.0%).

Since I started tracking, my total contributions have been CHF 14,342, and my total return is CHF 176,145.




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

If I quit working today, my monthly pay out would be CHF 1,487 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
1,487/month
(4.0% SWR)
1,301/month
(3.5% SWR)
1,115/month
(3.0% SWR)


When can I retire?

FI date

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 5 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another CHF 384,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 169,816


Financial independence forecast