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Net worth update per


This is FIRELINE's #35 net worth update. Please check out my profile here for more information. As of , my net worth increased to CHF 602,923 and my FI portfolio increased to CHF 602,423


Net worth

CHF 602,923

Since the last update on my net worth has increased with CHF 7,294 (+ 1.22 %).

FI portfolio

CHF 602,423

Since the last update on my FI portfolio has increased with CHF 7,294 (+ 1.23 %).

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 40,566 -1,000 39,566
Investments 318,110 +5,321 323,431
Retirement acc 236,453 +2,973 239,426
Real estate 0 0 0
Other assets 500 0 500
Total assets 595,629 +7,294 602,923

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 27,272 +12,294 39,566
Investments 261,272 +62,159 323,431
Retirement acc 195,832 +43,594 239,426
Real estate 0 0 0
Other assets 500 0 500
Total assets 484,876 +118,047 602,923

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 87,104 -47,538 39,566
Investments 136,924 +186,507 323,431
Retirement acc 96,746 +142,680 239,426
Real estate 0 0 0
Other assets 0 + 500 500
Total assets 320,774 +282,149 602,923

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

I am now 60.2% on my way to achive my FIRE target of CHF 1,000,000. This is 0.7 percentage points closer, compared to the last net worth update.

CHF 602,423 FIRE target: CHF 1,000,000


60.2%

FI portfolio

My FI portfolio now consists of CHF 323,431 (53.7%) in investments, CHF 239,426 (39.7%) in retirement accounts, and CHF 39,566 (6.6%) in cash.

Investments

Since my last update, my investments increased with CHF 5,321 (1.67%).

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 increased with CHF 2,973 (1.26%).

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 2,008 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,008/month
(4.0% SWR)
1,757/month
(3.5% SWR)
1,506/month
(3.0% SWR)


When can I retire?

FI date

My age

41

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 2 years and 7 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another CHF 268,800, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 128,777


Financial independence forecast