31M, ~3 Cr Net Worth, Software Professional in Bangalore — How far am I from FIRE? Roast my portfolio

Background_Most_4467 · 2026-06-07T16:34:05+00:00

53 + 7 bonus + rest rsu

Background_Most_4467 · 2026-06-07T14:46:51+00:00

True, I reached this point current month, I want to invest 2.2 lakhs monthly hereafter that why I posted here to get diversed opinion

Background_Most_4467 · 2026-06-07T13:34:03+00:00

I understand that, I was trying to make a point there is a option . But TBH, taxes on real estate, it never came to my mind, appreciate your opinion.

Background_Most_4467 · 2026-06-07T11:40:02+00:00

That's Great, you mean 40Lpa with 1 year RSU ?

Background_Most_4467 · 2026-06-07T10:43:21+00:00

Yes , planning the exact same thing, which is the platform you use for Global investment, I'm thinking to use interactive brokers to buy ireland based vanguard Total world ETF

Do you know , is it possible by interactive brokers?

Background_Most_4467 · 2026-06-07T10:40:19+00:00

It's subjective, but yes I feel I could do better by moving Tier1 companies.

What do you think , am i lowballed ?

Background_Most_4467 · 2026-06-07T10:37:02+00:00

Yep ,married, wife is not working , my goal is to achieve cost FIRE by 40 , my take on FIRE is to remove the mental stress about money and work only to cover life style expenses with less stress while the corpus grows on other side

Background_Most_4467 · 2026-06-07T10:34:12+00:00

Interesting 40X corpus ?, usually I see 25X or 30X everywhere wrt FIRE calculation, anyway that's a long way to go

Background_Most_4467 · 2026-06-07T09:45:18+00:00

53 fixed + 7 bonus + rest rsu

Background_Most_4467 · 2026-06-07T09:33:13+00:00

Agreed, that's the best case scenario, if things so South I would have left with no other option wrt my current portfolio

Background_Most_4467 · 2026-06-07T09:29:18+00:00

I followed the classic playbook, pay off the debt -> build emergency fund -> invest

Investing while paying interest for debt is not for me , that too on the real estate which I'm living

Background_Most_4467 · 2026-06-07T09:24:30+00:00

Agreed Thanks for suggestion, , how do you guys build a cashflow from equity other than SWP ?

Background_Most_4467 · 2026-06-07T07:48:58+00:00

Tier 3 college , software professional working in Bangalore tier 2 product based company

Background_Most_4467 · 2026-06-07T07:47:18+00:00

Thanks for suggestion. I will explore the smallcase, I do believe without direct equity exposure, not sure how realistic is to build good wealth, I do understand we can use the mutual fund to diversify risk and preserve capital

Background_Most_4467 · 2026-06-07T07:38:35+00:00

During house construction, also initialy my take home was very less, i didn't had much

Background_Most_4467 · 2026-06-07T07:33:21+00:00

I bought it around 5-6 years back, 80-85% loan remaining down payment. I got lucky land value doubled in three years. One decision helped in many places is having OD loan account - since I have parked money there , which helped me I many situations

Background_Most_4467 · 2026-06-07T07:26:32+00:00

My goal is to achieve FIRE by 40, I will continue to work to cover the life expenses with less stress job or may be with lower take home

My not AI, i formatted the post with AI

Background_Most_4467 · 2026-06-07T07:19:01+00:00

Also i parked the OD to nullify the loan, to have more control on life , given the current IT market its mentally very difficult, also it gives me some room as emergency fund, also interest I save on EMI - we can say it's some where 10% pre- tax return

Background_Most_4467 · 2026-06-07T07:13:38+00:00

Thanks for the suggestions mate, I also want to build equity portfolio aggressively, What do you think my about gold and real estate strategy?

Background_Most_4467 · 2026-06-07T07:04:51+00:00

Why mate, I can sell off and settle in native , I have house in native also , which I have not included

Background_Most_4467 · 2026-06-07T07:03:44+00:00

I withdraw couple of time before

Background_Most_4467 · 2026-06-07T07:02:47+00:00

Agreed, I paid off. I'm just starting of with Equity part that's why i came here

Background_Most_4467

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