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Net worth update per


This is mudpie's #23 net worth update. Please check out my profile here for more information. As of , my net worth decreased to CHF 1,707,096 and my FI portfolio decreased to CHF 1,446,839


Net worth

CHF 1,707,096

Since the last update on my net worth has decreased with CHF -1,042 ( -0.06 %).

FI portfolio

CHF 1,446,839

Since the last update on my FI portfolio has decreased with CHF -1,042 ( -0.07 %).

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 79,484 -13,269 66,215
Investments 1,025,756 +2,863 1,028,619
Retirement acc 342,641 +9,364 352,005
Real estate 255,257 0 255,257
Other assets 5,000 0 5,000
Total assets 1,708,138 -1,042 1,707,096

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 76,029 -9,814 66,215
Investments 975,464 +53,155 1,028,619
Retirement acc 330,961 +21,044 352,005
Real estate 255,257 0 255,257
Other assets 5,000 0 5,000
Total assets 1,642,711 +64,385 1,707,096

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 44,016 +22,199 66,215
Investments 582,494 +446,125 1,028,619
Retirement acc 156,559 +195,446 352,005
Real estate 248,217 + 7,040 255,257
Other assets 5,000 0 5,000
Total assets 1,036,286 +670,810 1,707,096

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

I am now 144.7% on my way to achive my FIRE target of CHF 1,000,000. This is -0.1 percentage points closer, compared to the last net worth update.

CHF 1,446,839 FIRE target: CHF 1,000,000


144.7%

FI portfolio

My FI portfolio now consists of CHF 1,028,619 (71.1%) in investments, CHF 352,005 (24.3%) in retirement accounts, and CHF 66,215 (4.6%) in cash.

Investments

Since my last update, my investments increased with CHF 2,863 (0.28%).

Since I started tracking, my total contributions have been CHF 1,346, and my total return has been CHF 394,899.

Retirement accounts

Since my last update, my retirement accounts increased with CHF 9,364 (2.73%).

Since I started tracking, my total contributions have been CHF 2,095, and my total return is CHF 205,451.




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

If I quit working today, my monthly pay out would be CHF 4,822 for the rest of my life.


Monthly SWR amount
Retire today with (CHF)
4,822/month
(4.0% SWR)
4,219/month
(3.5% SWR)
3,617/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately CHF 13,750 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of CHF 1,000,000 in 0 years and -1 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another CHF 13,750, while the rest will be return on my existing FI portfolio and the new investments, in total CHF -460,589


Financial independence forecast