Swiss FIRE (35M) with CHF 3.6 mln
Throwaway account for obvious reasons.
I put my (35M) notice at work and will FIRE soon in Switzerland. Happy to listen to advice or answer questions.
Assets:
- CHF 3.2 mln in VT or VT-like ETFs
- CHF 120k in cash or bank accounts
- CHF 320k in 2nd pillar
- No significant tangible assets (no car, no house)
- No debts
Past Expenses:
Numbers do not include state-related outflows (taxes, AHV, …). My total burden has been around 25% for my income-generating years. There’s no capital gains tax in Switzerland BTW.
| Year | Yearly expenses |
|---|---|
| 2026 (so far) | CHF 40k |
| 2025 | CHF 70k |
| 2024 | CHF 46k |
| 2023 | CHF 37k |
| 2022 | CHF 39k |
2024 expenses looked roughly like this (major categories):
- Rent: 10k or 900 per month (living with 2 flatmates).
- Groceries, take-away & var. household stuff: 6.5k
- Expensive coffee equipment (one-time) & related: 6k
- Health-related (insurance): 5.7k (3.9k)
- Charity: 3.5k
- Public transport: 2k
- Travel: 1.5k
- Furniture: 2k
- Sport stuff: 2k
- Clothes: 1.5k
- Var. leisure stuff (books, subscriptions): 1.5k
- Social stuff (gifts & parties): 1k
2025 saw a jump due to one-time surgery (12k), charity drive (5k), keyboard experimentation (4k), expensive macbook (3k). In 2026, I bought some nicer furniture (one-time purchase, I was replacing IKEA furniture I had since I moved in Switzerland)
Plans:
Immediately upon FIREing, I do intend to spend on some one-time experiences (travel to Asia/Africa), try living in my native country to see if people are nicer (will rent 2nd apartment), learn new skills (electronics, dancing, music).
I imagine that in some near-to-medium future housing costs will increase (living on my own, perhaps buying an apartment in Poland) and I’ll get a car as well. Moving back to Poland is a possibility.
Background and other details:
- Polish national. Raised & studied in Poland.
- Single, no dependents.
- Worked in IT for 11 years earning CHF 200k–300k/y.
- Counting on the 4% rule on average (so, CHF 132k/y) since I expect to have a solid cushion even if my expenses increase (paying full rent, car etc.).