# Share your net worth progression **URL:** \ **Category:** Investing / Portfolios\ **Created:** [November 29, 2020, 3:07pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798 "2020-11-29T15:07:54Z")\ **Posts on this page:** 20\ **Page:** 38
**Author:** ![jmp](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/jmp/32/8768_2.png) [@jmp](https://forum.mustachianpost.com/u/jmp)\ **Post date:** [January 17, 2024, 7:53am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/796 "2024-01-17T07:53:04Z")
> [@weirded](#): > > mandatory health insurance True, but that is NOT included in the official inflation numbers reported in Switzerland, which distorts the official view versus the reality experienced by people. ---
**Author:** ![PhilMongoose](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/philmongoose/32/12331_2.png) [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)\ **Post date:** [January 17, 2024, 7:54am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/797 "2024-01-17T07:54:28Z")
Not sure if Switzerland does this, but other countries have been accused of tweaking the CPI basket for political reasons to give lower inflation numbers. ---
**Author:** ![Barto](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/e9c0ed/32.png) [@Barto](https://forum.mustachianpost.com/u/Barto)\ **Post date:** [January 17, 2024, 8:46am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/798 "2024-01-17T08:46:34Z")
> [@jmp](#): > > True, but that is NOT included in the official inflation numbers reported in Switzerland, which distorts the official view versus the reality experienced by people. I did not know this until now. Indeed “Compulsory health insurance premiums are not included in the CPI because they are not part of consumption” However “Health sector services (medical and hospital services, medication and dental care, etc) are consumed by households and are therefore included in the CPI.” Assuming health insurance premiums are driven by healthcare costs (ignoring political interference and lag effects) I guess it should be captured over the long term(?) ---
**Author:** ![xmj](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/xmj/32/9471_2.png) [@xmj](https://forum.mustachianpost.com/u/xmj)\ **Post date:** [January 17, 2024, 9:23am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/799 "2024-01-17T09:23:26Z")
Healthcare costs are driven by political interference. Before moving to CH I had contracted expat insurance through Cigna Global at a rate one fifth of the mandatory CH health insurance. Things could be a lot cheaper if it weren’t for state meddling. ---
**Author:** ![Patirou](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/p/439d5e/32.png) [@Patirou](https://forum.mustachianpost.com/u/Patirou)\ **Post date:** [January 17, 2024, 10:01am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/800 "2024-01-17T10:01:45Z")
> [@xmj](#): > > Before moving to CH I had contracted expat insurance through Cigna Global at a rate one fifth of the mandatory CH health insurance. And it had most probably a clause that in case of serious sickness, they will send you back home and you will fall back under your home country insurance… so not comparable. > [@xmj](#): > > Things could be a lot cheaper if it weren’t for state meddling. Because private corporations have cheap healthcare in their mind, and not profit maximisation. > [@xmj](#): > > Healthcare costs are driven by political interference Mostly by the fact that drugs become more and more expensive (which makes 80% of the costs). I am not sure how it is handled in Switzerland, but drugs are much cheaper in Germany where the max. price for a drug is typically controlled by the state… And again, tell me about a pharma company which reduced their prices… ---
**Author:** ![jmp](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/jmp/32/8768_2.png) [@jmp](https://forum.mustachianpost.com/u/jmp)\ **Post date:** [January 17, 2024, 10:07am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/801 "2024-01-17T10:07:28Z")
Thanks for prompting me to search and find an explanation by the Federal Statistical Office (document in [French](https://www.bfs.admin.ch/bfs/de/home/statistiken/preise/landesindex-konsumentenpreise/detailresultate.assetdetail.24245447.html) and in [German](https://www.bfs.admin.ch/bfs/de/home/statistiken/preise/landesindex-konsumentenpreise/detailresultate.assetdetail.24245444.html)) _Health insurance premiums reflect both changes of prices for health services and changes of consumption by the population._ _Even if the price of services remained constant, insurance premiums would increase as medical progress tends to result in higher costs through more and more complex exams and therapies._ _CPI intends to measure price changes, and insurance premiums are not a good indicator of that._ So, the CPI indeed takes healthcare costs into account, but not to the full extent perceived by those paying mandatory health insurance premiums. ---
**Author:** ![PhilMongoose](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/philmongoose/32/12331_2.png) [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)\ **Post date:** [January 17, 2024, 10:10am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/802 "2024-01-17T10:10:10Z")
Inflation costs are very personal. The biggest for me has been childcare costs (which is unfortunately also my biggest cost) which, while already very expensive, have increased massively since 2020. ---
**Author:** ![Salming](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/salming/32/7233_2.png) [@Salming](https://forum.mustachianpost.com/u/Salming)\ **Post date:** [January 17, 2024, 10:32am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/803 "2024-01-17T10:32:32Z")
> [@Patirou](#): > > Mostly by the fact that drugs become more and more expensive (which makes 80% of the costs). You could not be more wrong, please. ---
**Author:** ![rolandinho](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/rolandinho/32/423_2.png) [@rolandinho](https://forum.mustachianpost.com/u/rolandinho)\ **Post date:** [January 17, 2024, 10:36am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/804 "2024-01-17T10:36:12Z")
> [@Patirou](#): > > drugs become more and more expensive (which makes 80% of the costs) I agree with your sentiment, but this 80% is a crazy number. Gesundheitsgüter below is drugs, if I understood the description correctly. ![Screenshot_20240117-112431~2](https://forum.mustachianpost.com/uploads/default/original/2X/a/a33221f97a4c4d47c0d386ac964adc5b7c951e5f.png) > [@Patirou](#): > > tell me about a pharma company which reduced their prices tell me about a anything company which reduces their prices… 😐 ---
**Author:** ![Patirou](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/p/439d5e/32.png) [@Patirou](https://forum.mustachianpost.com/u/Patirou)\ **Post date:** [January 17, 2024, 10:38am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/805 "2024-01-17T10:38:48Z")
Yep that is correct, but a big chunk of hospitals (and other stuff is not paid via health insurance, but via taxes if I remember correctly. I am still looking for the right representation, bear with me please. ---
**Author:** ![Patirou](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/p/439d5e/32.png) [@Patirou](https://forum.mustachianpost.com/u/Patirou)\ **Post date:** [January 17, 2024, 10:51am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/807 "2024-01-17T10:51:39Z")
My bad then, I stay humbly corrected, I mixed something up. ---
**Author:** ![Salming](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/salming/32/7233_2.png) [@Salming](https://forum.mustachianpost.com/u/Salming)\ **Post date:** [January 17, 2024, 11:12am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/808 "2024-01-17T11:12:24Z")
No probem and sorry since this topic triggers me (obviously I‘m biased) 😆 ---
**Author:** ![Kirby](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/k/90db22/32.png) [@Kirby](https://forum.mustachianpost.com/u/Kirby)\ **Post date:** [January 17, 2024, 11:36am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/809 "2024-01-17T11:36:55Z")
Of course i can, don’t be shy feel free to send me a DM with all your questions 🤗 happy to share! ---
**Author:** ![ma0](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/ma0/32/3259_2.png) [@ma0](https://forum.mustachianpost.com/u/ma0)\ **Post date:** [January 17, 2024, 2:23pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/810 "2024-01-17T14:23:33Z")
To be honest, I’ve also read that one of the biggest costs are medicaments. Sounds weird, but I’ve seen prices in germany. Pet peeve of mine: Some costs pharmacies relieves should be illegal. 🙂 ---
**Author:** ![dbu](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dbu/32/1552_2.png) [@dbu](https://forum.mustachianpost.com/u/dbu)\ **Post date:** [January 17, 2024, 3:20pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/811 "2024-01-17T15:20:36Z")
Yes I agree - I got pissed off when I saw these two “checks” on some of my recipe-d drug pickups. Basically for picking a box up from the drawer and asking if I have allergies, they charged me 8-10 CHF, twice (2nd time same exact medicine). But all legal apparently. > **[Medikamente: Weshalb muss ich in der Apotheke einen Zuschlag zahlen?](https://www.beobachter.ch/gesundheit/medizin-krankheit/das-gilt-beim-medikamenten-und-bezugscheck-in-der-apotheke-247369)** > > Wer in der Apotheke rezeptpflichtige Medikamente kauft, entdeckt auf seiner Rechnung oft Zuschläge. Wofür stehen diese und kann man sie umgehen? Then I found this list, which I might consult going forward. > **[Medikamente kaufen: In diesen 150 Apotheken sparen Sie](https://www.konsumentenschutz.ch/online-ratgeber/medikamente-kaufen/)** > > Die Apotheken-Liste des Konsumentenschutzes zeigt, in welchen Apotheken Sie sparen und Ihre Medikamente günstiger kaufen können. * * * But we are going way off topic here 🙂 sorry ---
**Author:** ![Mirager](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mirager/32/12344_2.png) [@Mirager](https://forum.mustachianpost.com/u/Mirager)\ **Post date:** [January 17, 2024, 3:37pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/812 "2024-01-17T15:37:05Z")
> [@Patirou](#): > > Mostly by the fact that drugs become more and more expensive (which makes 80% of the costs). I am not sure how it is handled in Switzerland, but drugs are much cheaper in Germany where the max. price for a drug is typically controlled by the state… > And again, tell me about a pharma company which reduced their prices… It really depends. Switzerland has an easier access (for pharmas putting their drugs in the market) ecosystem than many European countries, yet not as easy as the US, and more generous pricing, but there’s no free pricing. Perhaps semantics, but in Germany drug prices are definitely not “controlled by the state”, the state scores drugs’ added benefit vs what’s available now and leverages the score to get a discount, the manufacturer can take it or leave it. The German system is pretty tough, but so is France’s, Italy’s, the UK’s, Spain’s etc. Switzerland has a softer system, that’s for sure, but then again Dr visits cost a lot here, yet the healthcare (and insurance) system is stellar, and better than Germany’s in my opinion, I am unlucky enough to know! The last ~25 years (to pick a round number) have seen tremendous advances in drugs, catalyzed by sequencing of the human genome, advances in genetics, crystallography, high-throughput screening and modelling. Many extraordinarily expensive (for healthcare systems) conditions are reaching a peak of costs now. But the drug costs will slowly but surely come down for the BIG buckets. Talk in pharma is we won’t see certain supermegablockbusters any time soon (think $20 billion/year drugs), the fact of the matter is that a lot of big diseases have gained fairly good solutions, to the benefit of patients and the sorrow of healthcare systems. Generics and biosimilars will continue bringing drug costs down by a lot. A lot of solutions just starting out now (CRISPR, CAR-T) are phenomenally expensive but targeting niche/rare conditions. Being rolled out to more broad/common first world conditions (diabetes, heart failure, common cancers, liver, kidney disease, neurological diseases like MS, Parkinson’s, Alzheimer’s) won’t be so easy in my opinion, but once the proof of concept and longer-term safety are established it will happen. Then insurance/pension systems will need to deal with the “issue” of people living too long 😛 (edit: we are probably lucky in Switzerland, given the Swiss are smart and realised sooner than other countries that putting the ownership and responsibility of pensions onto the individual relieves the public system from a HUGE headache, while rewarding those who do good planning, like us) Just food for thought source: work for pharma for 10+ years. ---
**Author:** ![Bojack](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/bojack/32/281_2.png) [@Bojack](https://forum.mustachianpost.com/u/Bojack)\ **Post date:** [January 25, 2024, 6:38am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/813 "2024-01-25T06:38:32Z")
18 posts were split to a new topic: [Political debate on Health Care](https://forum.mustachianpost.com/t/political-debate-on-health-care/11763) ---
**Author:** ![Broth](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/3ec8ea/32.png) [@Broth](https://forum.mustachianpost.com/u/Broth)\ **Post date:** [January 23, 2024, 1:49pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/818 "2024-01-23T13:49:58Z")
> [@PhilMongoose](#): > > Inflation costs are very personal. The biggest for me has been childcare costs (which is unfortunately also my biggest cost) which, while already very expensive, have increased massively since 2020. I feel you. Finishing Kita for the youngest one, this summer, 🙂 ---
**Author:** ![rolandinho](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/rolandinho/32/423_2.png) [@rolandinho](https://forum.mustachianpost.com/u/rolandinho)\ **Post date:** [January 24, 2024, 6:41am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/826 "2024-01-24T06:41:09Z")
> [@Political debate on Health Care](https://forum.mustachianpost.com/t/political-debate-on-health-care/11763/6): > > > [@Political debate on Health Care](https://forum.mustachianpost.com/t/political-debate-on-health-care/11763/6): > > > > budget for health care costs growing by \>CPI > > x2-5 😁 > My premium certainly went up by more than ~2-3% p.a. over the past few years. > [@Do you need a ridiculous amount of money to retire in Switzerland?](https://forum.mustachianpost.com/t/do-you-need-a-ridiculous-amount-of-money-to-retire-in-switzerland/10907/57): > > @PhilMongoose , I agree with @jay , I have a similar table/spreadsheet and I use 5% nominal return (in CHF), 2% as taxable income and 3% as capital gain (non-taxed). Then an inflation rate of 2%, except for my Krankenkasse which I separate out as an expense an increase by 3x2%(i.e. 6% KK inflation - basis for this is core infl 1997-2017 0.5%p.a. KK inflation 1997-17 4% p.a.) The pillar 2 and 3 is separated out from my NW until 65 (no annual taxes, real return 4.5%, tax on withdrawal 7 to 10% t… Maybe KK is inflating even by up to 8x CPI judging by the last 25 years 😬😐 ---
**Author:** ![xmj](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/xmj/32/9471_2.png) [@xmj](https://forum.mustachianpost.com/u/xmj)\ **Post date:** [January 24, 2024, 11:05am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/831 "2024-01-24T11:05:19Z")
On the note of NW progression. | Date | SWR% | | --- | --- | | 2017-12 | 36.00% | | 2018-12 | 38.00% | | 2019-12 | 34.00% | | 2020-12 | 17.00% | | 2021-12 | 13.18% | | 2022-06 | 13.84% | | 2022-12 | 13.58% | | 2023-07 | 10.93% | | 2023-12 | 8.12% | [Previous page](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798.md?page=37) [Next page](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798.md?page=39)