There has been some discussion about including 2nd and 3rd pillar into the net worth calculation.
Now, my question is whether you should include “material” goods as well: It starts with real estate (but which value would you use?), vehicles, any kind of collections (coins,stamps,etc) down to the household inventory (Hausrat). Many of these items depreciate over time.
In my opinion: of course you should include them. But not the purchase price, but rather the current value.
I would also include 2nd & 3rd pillar in the savings rate calculation.