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Net worth update per


This is Finanzgedanken's #56 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 792,781 and my FI portfolio increased to CHF 1,254,614


Net worth

CHF 792,781

Since the last update on my net worth has increased with CHF 79,703 (+ 11.18 %).

FI portfolio

CHF 1,254,614

Since the last update on my FI portfolio has increased with CHF 82,551 (+ 7.04 %).

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 214,128 +61,411 275,539
Investments 825,731 +15,363 841,094
Retirement acc 132,204 +5,777 137,981
Real estate 0 0 0
Other assets 38,715 + 611 39,326
Total assets 1,210,778 +83,162 1,293,940

Mortgage 497,700 3,193 500,893
Other debt 0 + 266 266
Total debt 497,700 + 3,459 501,159
Change
Cash 205,711 +69,828 275,539
Investments 819,192 +21,902 841,094
Retirement acc 128,682 +9,299 137,981
Real estate 0 0 0
Other assets 38,630 + 696 39,326
Total assets 1,192,215 +101,725 1,293,940

Mortgage 497,669 3,224 500,893
Other debt 0 + 266 266
Total debt 497,669 + 3,490 501,159
Change
Cash 65,826 +209,713 275,539
Investments 412,500 +428,594 841,094
Retirement acc 82,055 +55,926 137,981
Real estate 0 0 0
Other assets 59,134 -19,808 39,326
Total assets 619,515 +674,425 1,293,940

Mortgage 284,508 216,385 500,893
Other debt 3,134 -2,868 266
Total debt 287,642 + 213,517 501,159

I am now 104.6% on my way to achive my FIRE target of CHF 1,200,000. This is 6.9 percentage points closer, compared to the last net worth update.

CHF 1,254,614 FIRE target: CHF 1,200,000


104.6%

FI portfolio

My FI portfolio now consists of CHF 841,094 (67.0%) in investments, CHF 137,981 (11.0%) in retirement accounts, and CHF 275,539 (22.0%) in cash.

Investments

Since my last update, my investments increased with CHF 15,363 (1.86%).

Since I started tracking, my total contributions have been CHF 252,642, and my total return has been CHF 186,385.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 5,777 (4.37%), of which CHF 588 was from contributions , and CHF 5,042 was from returns.

Since I started tracking, my total contributions have been CHF 24,606, and my total return is CHF 36,950.




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

If I quit working today, my monthly pay out would be CHF 4,182 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
4,182/month
(4.0% SWR)
3,659/month
(3.5% SWR)
3,136/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 0 years and -1 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another CHF 6,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF -60,614


Financial independence forecast