Dear Mustachians
First of all thank you for the very informative forum, I have found a lot of good and useful information here. So far I have been a silent fellow reader and would like to take the opportunity to introduce myself today.
I am 46 years old, born in Italy, grew up in Germany. Since 2002 I live and work work in Switzerland. Currently I live in the Winterthur area where I work as an IT project manager. I live with my partner in a rented apartment we have no children.
I heard about the FIRE concept a few years ago, since then I’ve been a fan and try to align my lifestyle with these principles. In 2018, I took a closer look to my financial situation and created an ETF portfolio. My medium-term goal is to build up a wealth that makes me more independent, so that I no longer have to take on every job, for example. Another goal would be to be able to get out of the job as early as possible before regular retirement. This goal would have been achieved for me with a net worth of approx. 1,500k.
My financial situation
Net worth approx. 470k
- Cash: 75k
- Pilar 2: 200k
- Pilar 3: 22k (VIAC 60)
ETFs: 150k
- MSCI World (53%)
- MSCI Emerging Markets (22%)
- SPI (25%)
P2P: 22k
- Bondora
- Mintos
- Peerberry
- EstateGuru
- Robocash
Income: 100k (80% workload due to burnout a few years ago)
Current savings rate: approx. 30%
Looking forward to lots of learnings and an exciting journey with all of you!
Cheers