# Share your net worth progression
**URL:** https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798
**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:** 41
### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [July 6, 2024, 7:37am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/872 "2024-07-06T07:37:15Z")
Oh wow.
Based on Realadvisor , average price increase in CH over last 10 years is 34% and for Zurich is 50%
This means for the tax purposes if you didn’t put any investment into the house, the value will remain the same as 10 years back?
I was under impression tax value of real estate in CH is fair market value minus some standard reduction (like 30%).
Thanks for letting me know
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [July 6, 2024, 7:42am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/873 "2024-07-06T07:42:31Z")
I was also shocked to see that. 100% appreciation in property over 4-5 years is only possible if it was a distressed sell in beginning and miss-priced
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### Author:  [@pwi](https://forum.mustachianpost.com/u/pwi)
#### Post date: [July 6, 2024, 10:59am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/874 "2024-07-06T10:59:55Z")
Well you do not pay taxes every year on your property. But then when you, (or your children) sell it. Then you have to pay property gains tax which can be very high with such high appreciation.
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### Author:  [@sp00t](https://forum.mustachianpost.com/u/sp00t)
#### Post date: [July 6, 2024, 12:28pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/875 "2024-07-06T12:28:55Z")
it might also be a 15% increase on a house bought with 85% mortgage
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### Author:  [@dabeda](https://forum.mustachianpost.com/u/dabeda)
#### Post date: [July 7, 2024, 6:09pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/876 "2024-07-07T18:09:14Z")
The amount on mortgage only defines the dept, not the RE value.
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### Author:  [@Julianek](https://forum.mustachianpost.com/u/Julianek)
#### Post date: [July 9, 2024, 12:58pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/877 "2024-07-09T12:58:10Z")
6 posts were split to a new topic: [In which case do insurances make sense?](https://forum.mustachianpost.com/t/in-which-case-do-insurances-make-sense/13175)
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### Author:  [@Broth](https://forum.mustachianpost.com/u/Broth)
#### Post date: [July 8, 2024, 7:52am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/880 "2024-07-08T07:52:19Z")
Double in 4 years not sure but Canton Zug has some areas that double in the last years, specially in the surroundings, like Ägeri or Cham for example
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### Author:  [@Broth](https://forum.mustachianpost.com/u/Broth)
#### Post date: [July 8, 2024, 7:56am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/881 "2024-07-08T07:56:51Z")
One factor that we do not count or at least I didn’t when calculating the networth for the RE is that you even if sell your apartment at the value or higher there is the tax on gains that it is quite painful and reduce your calculation by the % of gains.
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### Author:  [@ZHCycle](https://forum.mustachianpost.com/u/ZHCycle)
#### Post date: [July 12, 2024, 3:47pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/882 "2024-07-12T15:47:29Z")
80k to 350k in 4 years is not bad at all!
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### Author:  [@ZHCycle](https://forum.mustachianpost.com/u/ZHCycle)
#### Post date: [July 12, 2024, 4:08pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/883 "2024-07-12T16:08:24Z")
Tracks. According to my bank’s info, value of my apartment is up 34%. Signed contract in 2019, completed in 2022. So in 5 years 34%.
This value tracks with Engel & Völkers price per square meter for the region and with apartments being advertised for sale in the region. In fact, a 3.5 room apartment in the same complex is advertised at 54% over this value and I am not sure 3.5 has a 54% mark-up versus 2.5. Especially since mine is the better part of the complex for sure. Checking some current listings, the mark-up seems to be below 30%.
So yea, buying that at a 1.05% interest rate with already such an increase in value, best fucking thing I ever did.
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [July 12, 2024, 4:12pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/884 "2024-07-12T16:12:33Z")
However my question was to understand if your wealth tax is now paid at 34% higher value or still the old value?
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### Author:  [@ZHCycle](https://forum.mustachianpost.com/u/ZHCycle)
#### Post date: [July 12, 2024, 4:24pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/885 "2024-07-12T16:24:04Z")
The old value and this value doesn’t change afaik.
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### Author:  [@xerox5003](https://forum.mustachianpost.com/u/xerox5003)
#### Post date: [July 12, 2024, 4:35pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/886 "2024-07-12T16:35:16Z")
The tax office can adjust the numbers, if the value of the property increased too much.
But don’t ask me, when they are doing that - even they have no idea 🙂
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [July 12, 2024, 4:35pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/887 "2024-07-12T16:35:51Z")
Best place to make investment 🙂 no increase in wealth tax. Just increase in wealth
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### Author:  [@ZHCycle](https://forum.mustachianpost.com/u/ZHCycle)
#### Post date: [July 12, 2024, 4:53pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/888 "2024-07-12T16:53:23Z")
I heard someone say in some cantons it does not happen for over a decade.
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### Author:  [@ZHCycle](https://forum.mustachianpost.com/u/ZHCycle)
#### Post date: [July 12, 2024, 6:10pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/890 "2024-07-12T18:10:10Z")
Can you re-mortgage without it affecting the value? I mean if you take on more debt you can not only increase the negative wealth but also have the cash available to invest.
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### Author:  [@ZHCycle](https://forum.mustachianpost.com/u/ZHCycle)
#### Post date: [July 12, 2024, 6:58pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/892 "2024-07-12T18:58:33Z")
But you will be able to deduct it from the profit when you sell.
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [July 12, 2024, 7:24pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/893 "2024-07-12T19:24:30Z")
Do you know if this is related to the fact that Real estate gains are subject to capital gains tax and hence they would like to keep the tax value same as the actual cost of acquisition?
And eventually at time of sale
Capital gains = Sell value - Tax value ?
It feels a bit weird that wealth tax on real estate is applied to values which are not really the current value of the asset.
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [July 15, 2024, 5:09pm UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/894 "2024-07-15T17:09:27Z")
tax value for wealth tax is typically not the same as the cost of acqusition.
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [July 16, 2024, 7:51am UTC](https://forum.mustachianpost.com/t/share-your-net-worth-progression/4798/895 "2024-07-16T07:51:39Z")
> [@Abs\_max](#):
>
> And eventually at time of sale
> Capital gains = Sell value - Tax value ?
AFAIK:
Capital gains = Sell value - Purchase price - Value-increasing renovations
> [@Abs\_max](#):
>
> It feels a bit weird that wealth tax on real estate is applied to values which are not really the current value of the asset.
Don’t worry, you’ll be taxed when/if you sell .
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