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Net worth update per


This is Finanzgedanken's #57 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 841,153 and my FI portfolio increased to CHF 1,337,217


Net worth

CHF 841,153

Since the last update on my net worth has increased with CHF 48,372 (+ 6.1 %).

FI portfolio

CHF 1,337,217

Since the last update on my FI portfolio has increased with CHF 82,603 (+ 6.58 %).

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 275,539 +66,540 342,079
Investments 841,094 +10,433 851,527
Retirement acc 137,981 +5,630 143,611
Real estate 0 0 0
Other assets 39,326 + 470 39,796
Total assets 1,293,940 +83,073 1,377,013

Mortgage 500,893 34,387 535,280
Other debt 266 + 314 580
Total debt 501,159 + 34,701 535,860
Change
Cash 205,711 +136,368 342,079
Investments 819,192 +32,335 851,527
Retirement acc 128,682 +14,929 143,611
Real estate 0 0 0
Other assets 38,630 + 1,166 39,796
Total assets 1,192,215 +184,798 1,377,013

Mortgage 497,669 37,611 535,280
Other debt 0 + 580 580
Total debt 497,669 + 38,191 535,860
Change
Cash 65,826 +276,253 342,079
Investments 412,500 +439,027 851,527
Retirement acc 82,055 +61,556 143,611
Real estate 0 0 0
Other assets 59,134 -19,338 39,796
Total assets 619,515 +757,498 1,377,013

Mortgage 284,508 250,772 535,280
Other debt 3,134 -2,554 580
Total debt 287,642 + 248,218 535,860

I am now 111.4% 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 1,337,217 FIRE target: CHF 1,200,000


111.4%

FI portfolio

My FI portfolio now consists of CHF 851,527 (63.7%) in investments, CHF 143,611 (10.7%) in retirement accounts, and CHF 342,079 (25.6%) in cash.

Investments

Since my last update, my investments increased with CHF 10,433 (1.24%).

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 5,630 (4.08%), 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 4,457 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
4,457/month
(4.0% SWR)
3,900/month
(3.5% SWR)
3,343/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 0 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 -143,217


Financial independence forecast