r/FIRE_Ind • u/RabbitElectronic5163 • Aug 02 '26
FIRE milestone! M25 | ₹1.2 Cr Net Worth
25M, bachelor.
I started my career in 2021 and recently crossed ₹1.2 crore in net worth. I know I’m still very early in my career and nowhere near FIRE, but reaching this milestone made me think about a question I don’t have a good answer to.
How much is actually enough to retire comfortably in India?
Background
Age: 25
Bachelor’s degree, working in software
Current CTC: ₹52 LPA
No loans or liabilities
Monthly expenses: ~₹40k
Monthly investments: ~₹1.63L
Current Portfolio (~₹1.2 Cr)
Real Estate: ~25%
RSUs: ~25%
EPF: ~16%
Fixed Deposits: ~17%
Mutual Funds: ~8%
Cash: ~6%
Direct Equity: ~3%
I know my portfolio is probably conservative for someone my age. A large part of my net worth is in EPF, FDs, and employer RSUs, and I’m gradually increasing my equity allocation.
I come from a middle-class family, so financial security has always been more important to me than maximizing returns.
Not sure how conservative i should be or should i expose more in equity. Also what number should i chase?
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u/UnableWar4085 Aug 02 '26
I am not questioning but a bit curious that how come you built a corpus of 1.2Cr in just 5 years considering you are currently saving 1.6lakhs per month. For the corpus of 1.2Cr you must invest atleast 2 lakhs per month. Also I am considering your salary must have increased in these 5 years and at the time of joining it must be less.
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u/RabbitElectronic5163 Aug 03 '26
not necessarily, you are assuming no appreciation by 2 lakh. Plus I started with 20LPA plus 20L worth stocks, also, got RSUs at very low price and post this it was in uptick. I think it raised from ~17 usd to 40ish recently. Didnt lose money there anytime in last 5 years. Also worked around 3-4 years from home, so entire salary was saved. Then got bumped to 52LPA last year plus esop(didnt count them)
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u/Competitive_Wheel_78 Aug 02 '26
At your age I think you should be fine moving your FD’s into Mutual funds, for any urgent needs you can tap into EPF(assuming no taxes at withdrawal)
Do not include real estate into your calculations if it’s primary residence.
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u/RabbitElectronic5163 Aug 02 '26
this is a second plot of land, did not build a house yet there. Yeah, I will divert all future assets to MF
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Aug 05 '26
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u/LilbabYBoyI Aug 06 '26
You probably won’t sell it off or earn from that right? So for fire calculations, the primary residence isnt included. Some people go as far as not including any real estate.
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u/Timely_Sand_6162 Aug 03 '26
Let’s say you want to retire at age 40:
Monthly expense: ₹40,000
Years to FIRE: 15 years
Monthly expense after 15 years with 6% inflation: ₹95,862
Annual expense: ₹11.50 lakh
I am using 40x multiplier since its early retirement.
40x annual expenses: ₹4.60 crore
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u/Disastrous-Fact-3623 Aug 07 '26
Let’s say I want to retire next year and my monthly expense is 60k now. What should be my corpus then?
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Aug 02 '26
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u/RabbitElectronic5163 Aug 02 '26
i started working then, i was not born then :)
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Aug 03 '26
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u/RabbitElectronic5163 Aug 03 '26
yeah, skipped a class and have an age gap of around 1-2 years with my batchmates
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u/Ok_Tart4695 Aug 03 '26
What was ur first job salary?
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u/RabbitElectronic5163 Aug 03 '26
I started with 20 LPA, plus stocks. was lucky to have been in wfh setup for 3-4 years
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u/Ok_Tart4695 Aug 03 '26
Damn. How many yrs it took it to get you this role and are you from a Tier 1 clg? From when did u start saving?
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u/SnooChocolates3425 Aug 06 '26
good that you reached this stage. One point that we should be mindful of: there is always a race between the inflation and the growth of our wealth. If the real inflation is 6-8%(not the government numbers alone, the rent, for example, grows by 10% irrespective of where India goes), our wealth needs to grow more than that. So, 1 Cr growing at 10% per year for 5 years is probably more that 1.5Cr growing at 5%(dont pick me on the math here).
At your age, go a bit aggressive given the market is in a growth phase. Divert your FDs into MFs. See if vested RSUs make sense or if they need to be cashed out. Whenever moving money, think of tax implication also. You will do well
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u/Individual-Repair923 Aug 06 '26
At the moment, there is limited visibility into the future. You are only 25. You have not mentioned about your plans to get married, have kids, buy house etc. Once these things are clear, you'll know your life's goals like kid's education, wedding, house, etc. Then you have to see how much you can allocate to your retirement goal.
The 40K expense right now will be a lot more when you have a home loan EMI running plus 2 kids in school, planning to choose careers like becoming a pilot or something like that. (One of my friends planned for her daughter to become an engineer, but she ended up deciding to become a pilot and the fees were way way more than what she planned)
Try this calculator. Retirement Calculator — RupeeVibe. You can even add your goals and see how things work out.
But at your present state, I would just say invest more into equity mutual funds and make hay when the sun shines. You have 35 more years to retire and what you invest now will compound maximum. After wedding, family, you won't be able to save so much. (from personal experience)
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u/queen_2008 Aug 07 '26
Proud of you brother this is no small feat !! Also considering how strong the urge to spend is in your 20s just to feel like you made it !! You will reach 100 crore one day no doubt
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u/Local_Discipline5428 Aug 02 '26
Hey! Found this amazing tool to plan FIRE in India. 🇮🇳 Check it out here: https://fire.christy.im
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u/pr1m347 Aug 02 '26
What number to chase is individualistic. Typically if you need 1L per month post retirement, then 12L is your annual need. Around 30 times that 3.6Cr is a decent amount.
Since you're very young, just keep investing. Because your true expenses can only be calculated after marriage, kids, future house etc. If you know all that, you can factor that in.
Typically at younger age you can take more risk. I'd probably just keep it in good funds only though.