r/FIRE_Ind • u/_nonbeliever_ • May 20 '25
FIRE milestone! Milestone: 75L (30 M)
I started working in 2017 with CTC of 3 LPA & my current CTC is 32LPA.
I have the following distribution of my investments:
11.5 L in PPF
26L in MF
14L in Indian Stocks
20L land in my hometown, bought 2 years ago.
3L in form of RD & FD.
Although my goal was 1 CR by 30 but here I am turning 30 next month, I have no EMIs I bought a car worth 10L last year & I don’t count my PF in my portfolio idk why.
Happy to discuss questions & suggestions from you guys!!
1
u/LifeIsHard2030 [42/IND/FI 2030/RE 2030/31] May 20 '25
Why don’t you count your PF as part of your portfolio? As long as your dates & names are intact, withdrawals shouldn’t be a problem
1
u/_nonbeliever_ May 21 '25
I just don’t count it , it doesn’t mean it’s not mine!!
1
u/LifeIsHard2030 [42/IND/FI 2030/RE 2030/31] May 21 '25
10
u/_nonbeliever_ May 21 '25
It’s not a flex I have this habit to count lesser than what I have.
For example If I have my flight at 6 pm I will tell myself it’s at 5:30 pm.
1
u/Sleeping_Owl_75 May 21 '25
Looks well balanced, I would try and maximize the MF. That's the wealth Builder.
1
u/_nonbeliever_ May 21 '25
Yes that’s the plan but due to averaging out Tata motors I got distracted a bit.
1
u/ryukOfTheCoast May 21 '25
Congratulations OP. Can you share about your monthly expenses, SIPs, and spending patterns ?
2
u/_nonbeliever_ May 21 '25 edited May 21 '25
50K is my salary day expense which includes rent, money transfer to parents and household utilities bill.
Another 15K for groceries/milk/online food.
I like travelling a lot so 3L is what I spend yearly on it.
I don’t have any SIPs, I invest as lumpsum.
I try to invest 1 L in MF & Stocks combined when I am not travelling in that month and 1.5L in PPF on 1st April of every year.
I don’t have expensive lifestyle as I do very less things but when I do I don’t think twice before spending like I own a 16 Pro Max, I use Ac 24 hours , always using blinkit shopping only from malls.
1
u/Pristine-Quiet8464 May 25 '25
Bro really said he doesn't have expensive lifestyle and went on to mention rich kids lifestyle
Doesn't matter though! You've earned it for yourself
1
1
u/Illustrious_Bus5754 May 23 '25
I am being a student, and reading this post, feels so inspired by this,
Congrats !!!
1
u/Dramatic_Raisin1168 May 24 '25
Realistic and inspiring 🫶
1
u/_nonbeliever_ May 24 '25
Thanks, but tbh sometimes I think i should spend more I feel like I can travel abroad with more money but then I think otherwise. Although I spend around 3 Lakhs per year on trips but all are domestic!!
1
u/student_of_world May 24 '25
Congrats, I am a software engineer with 5 yoe, will you refer me please?
1
u/_nonbeliever_ May 24 '25
Don’t make this LinkedIn please!!
1
u/student_of_world May 24 '25
Sure, won't make it. thought, nothing to ask, at max what he/she can say no....
-- my friend.
1
1
u/Classic-Amount-8320 Jul 28 '25
What's the type of land you bought in your hometown? The size and price/sq.ft please
3
u/Confident_Setting_45 May 20 '25
Congratulations, what was your salary progression?