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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 805,809 and my FI portfolio increased to CHF 1,303,181


Net worth

CHF 805,809

Since the last update on my net worth has increased with CHF 13,028 (+ 1.64 %).

FI portfolio

CHF 1,303,181

Since the last update on my FI portfolio has increased with CHF 48,567 (+ 3.87 %).

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 +4,965 280,504
Investments 841,094 +39,964 881,058
Retirement acc 137,981 +3,638 141,619
Real estate 0 0 0
Other assets 39,326 + 593 39,919
Total assets 1,293,940 +49,160 1,343,100

Mortgage 500,893 35,565 536,458
Other debt 266 + 567 833
Total debt 501,159 + 36,132 537,291
Change
Cash 205,711 +74,793 280,504
Investments 819,192 +61,866 881,058
Retirement acc 128,682 +12,937 141,619
Real estate 0 0 0
Other assets 38,630 + 1,289 39,919
Total assets 1,192,215 +150,885 1,343,100

Mortgage 497,669 38,789 536,458
Other debt 0 + 833 833
Total debt 497,669 + 39,622 537,291
Change
Cash 65,826 +214,678 280,504
Investments 412,500 +468,558 881,058
Retirement acc 82,055 +59,564 141,619
Real estate 0 0 0
Other assets 59,134 -19,215 39,919
Total assets 619,515 +723,585 1,343,100

Mortgage 284,508 251,950 536,458
Other debt 3,134 -2,301 833
Total debt 287,642 + 249,649 537,291

I am now 108.6% on my way to achive my FIRE target of CHF 1,200,000. This is 4.0 percentage points closer, compared to the last net worth update.

CHF 1,303,181 FIRE target: CHF 1,200,000


108.6%

FI portfolio

My FI portfolio now consists of CHF 881,058 (67.6%) in investments, CHF 141,619 (10.9%) in retirement accounts, and CHF 280,504 (21.5%) in cash.

Investments

Since my last update, my investments increased with CHF 39,964 (4.75%), 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 increased with CHF 3,638 (2.64%), 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 4,343 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
4,343/month
(4.0% SWR)
3,800/month
(3.5% SWR)
3,257/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 -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 -109,181


Financial independence forecast