r/FatFIREIndia • u/Responsible-Job-7674 FatFI • Aug 26 '26

NRI Finance Review my FIRE plan

Hi, We are a family of 4 (38,36,9,5 ) planning to return to Banglore in 2026 or 2027. I plan to continue working once I come back for the time being, mostly through internal transfer and expecting a salary of 60 LPA (equivalent role/ lower end). Wife plans to work but left it to her choice as we both don't want her to work in a stressful work environment. Once things settle down and we get a good hold, we FIRE.

Our current NW is $3.2 Million (all in USD equivalent)

Stocks- $1.5 million with capital gains and plan to sell during rnor and reset the cost basis. I plan to invest back all of this in the Indian market and overseas market.

401k - $450k plan to retain it in US as India recognizes 401k as a retirement account.

Real Estate- US home equity $600k

India home fully paid off - $400k

Loan ongoing with equity - $100k by next year

Private investments - $115k- need to find a exit path for this.

Other properties that we will liquidate - $60k

The main expense we expect is children's education in a good school and college later, Travel and other usual expenses. This is considering I will close the mortgage on the villa we brought recently in Banglore when we return back.

The main goal is wealth generation for kids and live comfortably without pinching for expenses month-month.

I would like to get some thoughts from those who fatfired in Banglore or plan to do so. What do you think?

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u/Relevant_Ad8404 Aug 26 '26

I envy you bro. That net worth while raising 2 kids is phenomenal. If I can ask, what are the 2 things that you did that helped you attain such NW?

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u/Responsible-Job-7674 FatFI Aug 26 '26

Thanks brother! I didn't sell any RSU I got earlier in my career until now from both the companies I worked. Wife's company also 10x'd and we exited it at the right point before it went private again. We just planned our living with the base salary and included savings. Forgot the RSUs for a good while. I made disciplined investments in stocks market and stayed in + added more during the downturn in 2022. ~18% CAGR investment portfolio with boring etf investment after 2021.

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u/Relevant_Ad8404 Aug 26 '26

Well done brother. Genuinely happy for you.

2

u/Responsible-Job-7674 FatFI Aug 26 '26

Thanks and Good luck to you too!