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Net worth update per November 25th 2024


This is FIRELINE's #41 net worth update. Please check out my profile here for more information. As of November 25th 2024, my net worth increased to CHF 667,599 and my FI portfolio increased to CHF 667,099


Net worth

CHF 667,599

Since the last update on October 23rd 2024 my net worth has increased with CHF 18,557 (+ 2.86 %).

FI portfolio

CHF 667,099

Since the last update on October 23rd 2024 my FI portfolio has increased with CHF 18,557 (+ 2.86 %).

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.
23 Oct 24 Change 25 Nov 24
Cash 28,810 -562 28,248
Investments 367,165 +16,373 383,538
Retirement acc 252,567 +2,746 255,313
Real estate 0 0 0
Other assets 500 0 500
Total assets 649,042 +18,557 667,599

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
15 Dec 23 Change 25 Nov 24
Cash 27,272 +976 28,248
Investments 261,272 +122,266 383,538
Retirement acc 195,832 +59,481 255,313
Real estate 0 0 0
Other assets 500 0 500
Total assets 484,876 +182,723 667,599

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
30 Nov 21 Change 25 Nov 24
Cash 87,104 -58,856 28,248
Investments 136,924 +246,614 383,538
Retirement acc 96,746 +158,567 255,313
Real estate 0 0 0
Other assets 0 + 500 500
Total assets 320,774 +346,825 667,599

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

I am now 66.7% on my way to achive my FIRE target of CHF 1,000,000. This is 1.9 percentage points closer, compared to the last net worth update.

CHF 667,099 FIRE target: CHF 1,000,000


66.7%

FI portfolio

My FI portfolio now consists of CHF 383,538 (57.5%) in investments, CHF 255,313 (38.3%) in retirement accounts, and CHF 28,248 (4.2%) in cash.

Investments

Since my last update, my investments increased with CHF 16,373 (4.46%).

Since I started tracking, my total contributions have been CHF 7,029, and my total return has been CHF 264,522.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 2,746 (1.09%).

Since I started tracking, my total contributions have been CHF 14,342, and my total return is CHF 187,048.




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

If I quit working today, my monthly pay out would be CHF 2,223 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,223/month
(4.0% SWR)
1,945/month
(3.5% SWR)
1,667/month
(3.0% SWR)


When can I retire?

FI date

October 2027

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 4 months, in October 2027, and at that time I will be 41 years old.

By that time I will have invested/saved another CHF 224,000, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 108,901


Financial independence forecast