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Net worth update per February 24th 2025


This is FIRELINE's #45 net worth update. Please check out my profile here for more information. As of February 24th 2025, my net worth increased to CHF 749,596 and my FI portfolio increased to CHF 749,096


Net worth

CHF 749,596

Since the last update on January 20th 2025 my net worth has increased with CHF 42,642 (+ 6.03 %).

FI portfolio

CHF 749,096

Since the last update on January 20th 2025 my FI portfolio has increased with CHF 42,642 (+ 6.04 %).

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.
20 Jan 25 Change 24 Feb 25
Cash 34,558 +19,867 54,425
Investments 396,819 +10,619 407,438
Retirement acc 275,077 +12,156 287,233
Real estate 0 0 0
Other assets 500 0 500
Total assets 706,954 +42,642 749,596

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
3 Dec 24 Change 24 Feb 25
Cash 28,248 +26,177 54,425
Investments 386,243 +21,195 407,438
Retirement acc 258,274 +28,959 287,233
Real estate 0 0 0
Other assets 500 0 500
Total assets 673,265 +76,331 749,596

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
30 Nov 21 Change 24 Feb 25
Cash 87,104 -32,679 54,425
Investments 136,924 +270,514 407,438
Retirement acc 96,746 +190,487 287,233
Real estate 0 0 0
Other assets 0 + 500 500
Total assets 320,774 +428,822 749,596

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

I am now 74.9% on my way to achive my FIRE target of CHF 1,000,000. This is 4.3 percentage points closer, compared to the last net worth update.

CHF 749,096 FIRE target: CHF 1,000,000


74.9%

FI portfolio

My FI portfolio now consists of CHF 407,438 (54.4%) in investments, CHF 287,233 (38.3%) in retirement accounts, and CHF 54,425 (7.3%) in cash.

Investments

Since my last update, my investments increased with CHF 10,619 (2.68%).

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 12,156 (4.42%).

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 2,496 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
2,496/month
(4.0% SWR)
2,184/month
(3.5% SWR)
1,872/month
(3.0% SWR)


When can I retire?

FI date

April 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 1 years and 10 months, in April 2027, and at that time I will be 41 years old.

By that time I will have invested/saved another CHF 166,400, while the rest will be return on my existing FI portfolio and the new investments, in total CHF 84,504


Financial independence forecast