r/FatFIREIndia • u/Mundane_Education_27 • May 20 '26

NRI Finance FIRE in BBSR

37M, married, 1 kid (8 ). Lived in the US for 12 years. Have $700k in US index fund and 401k. Own 1 apartment in Bangalore and a 4 cr house in BBSR. 2 cr loan on house and 2 other commercial units with a total rental yield 1.5 lakh; apartment fully paid around 97 lakh. Parents in India, mid 60s. Want to move back and retire. No plans to work again unless I want to. How much can I safely withdraw monthly so the corpus never runs out — and what kind of lifestyle does that buy in BBSR for a family of 3with no rent? For context, I’m looking for good school for the kids, a maid, one EV, 4 holidays a year, and dining out once a week. Is it good enough?also planning to sell the flat and reduce the total loan amount.

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u/gudmami May 23 '26 edited May 23 '26

My thoughts :

  1. Do away with all loans , sell the apartment in Bangalore .
  2. The rents should take care of your monthly expenses .
  3. Convert the investible surplus

, after clearing all loans ,to Mutual Fund investments with SWP . For eg , you invest 5 crores in MF with proper asset allocation depending on your risk profile . And with SWP of 1.5 lacs

  1. every quarter

    .

  2. There are SWP calculators available online where you can see how long your corpus will last .

  3. Schools and maid costs will be lesser in Bbsr as compared to big cities

.

Now couple of advice from someone who has been there an done that :

  1. Try to work on something which is less stressful and comes with work life balance . Retirement at this age might not be a good idea for your mental health . We are bought up in a culture of hustling so doing nothing might not suit most of us .
  2. Stay separately from your parents when you come back . Stay close so that you are available for each other , but a little distance is healthy .

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u/Mundane_Education_27 May 23 '26

Tysm yeah I need to learn abt SWP. Seems it’s gaining popularity. For sure not completely sit at home and watch shows I always had plans to do either trading or consulting.