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Net worth update per


This is FIRELINE's #31 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CHF 565,947 and my FI portfolio decreased to CHF 565,447


Net worth

CHF 565,947

Since the last update on my net worth has decreased with CHF -11,846 ( -2.05 %).

FI portfolio

CHF 565,447

Since the last update on my FI portfolio has decreased with CHF -11,846 ( -2.05 %).

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 41,548 -16,120 25,428
Investments 306,839 +1,712 308,551
Retirement acc 228,906 +2,562 231,468
Real estate 0 0 0
Other assets 500 0 500
Total assets 577,793 -11,846 565,947

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 27,272 -1,844 25,428
Investments 261,272 +47,279 308,551
Retirement acc 195,832 +35,636 231,468
Real estate 0 0 0
Other assets 500 0 500
Total assets 484,876 +81,071 565,947

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 87,104 -61,676 25,428
Investments 136,924 +171,627 308,551
Retirement acc 96,746 +134,722 231,468
Real estate 0 0 0
Other assets 0 + 500 500
Total assets 320,774 +245,173 565,947

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

I am now 77.7% on my way to achive my FIRE target of CHF 727,273. This is -1.6 percentage points closer, compared to the last net worth update.

CHF 565,447 FIRE target: CHF 727,273


77.7%

FI portfolio

My FI portfolio now consists of CHF 308,551 (54.6%) in investments, CHF 231,468 (40.9%) in retirement accounts, and CHF 25,428 (4.5%) in cash.

Investments

Since my last update, my investments increased with CHF 1,712 (0.56%).

Since I started tracking, my total contributions have been CHF 7,029, and my total return has been CHF 164,598.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 2,562 (1.12%).

Since I started tracking, my total contributions have been CHF 14,342, and my total return is CHF 120,380.




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

If I quit working today, my monthly pay out would be CHF 1,884 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
1,884/month
(4.0% SWR)
1,649/month
(3.5% SWR)
1,413/month
(3.0% SWR)


When can I retire?

FI date

My age

39

I am currently aiming to save/invest approximately CHF 5,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of CHF 727,273 in 1 years and 7 months, in , and at that time I will be 39 years old.

By that time I will have invested/saved another CHF 110,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 51,826


Financial independence forecast