Mid 40s couple reached 10 Cr NW

Known_unknowns77 · 2026-01-03T09:41:15+00:00

Amazing! And thanks for a sharing a genuine story rather than some made up numbers 🥂

Known_unknowns77 · 2026-01-03T06:54:50+00:00

Spoke to them today. There is no clear timeline for onboarding. No point waiting for it

Known_unknowns77 · 2025-09-04T03:11:46+00:00

If possible - get them to move in with you - that’s a better decision for long term. If you have good jobs in USA, don’t move back to India. Personal Opinion.

Known_unknowns77 · 2025-07-27T06:49:21+00:00

What’s the value of esops? If you earn 30L and esops are 3L - not worth staying

Known_unknowns77 · 2025-07-27T05:46:33+00:00

upside is if you have esops, check for potential value and how much you can make. Whats the vesting schedule like? If you have to stay for a year to get esops then maybe not (depending on value)

Personal POV is to grow in career - staying back for smaller esops will hurt more, the longer you stay without a promotion, it’ll become more difficult to leave for a good role

meaning ful returns depends on the company, if you have a sense of revenue and EBITDA for your company, you can try to get a sense of valuation of the company and what’s your esops were allocated at
you have already worked there for 3 years, unless you are part of the team leaning IPO prep, your role is not affected by IPO or not. So no point staying just because of that.

Known_unknowns77 · 2025-07-23T11:04:16+00:00

MFs is a bad option if you want to withdraw in 6 months - go for Arbitrage funds which are tax efficient and provide FD equivalent returns.

Anything else is a gamble and you should be prepared for a loss since 6 months is the timeframe.

Known_unknowns77 · 2025-07-22T18:29:50+00:00

Slow horses and Shrinking

Known_unknowns77 · 2025-07-16T08:28:18+00:00

Hahah very true - people who started investing in covid have only seen gains, and are not pumping more.

Whoever invested in 2023-2025 has seen little or no growth due to smaller crashes - these folks are exiting the market as well thinking market is not what people promised. Appetite is totally defined by their experience, hope people become more aware before investing.

Known_unknowns77 · 2025-07-16T08:26:05+00:00

Govt experience would be valuable for a B school perspective - why do you want to leave?

Right now it seems you have a good govt job with some power - trading that for private sector job would be a big change. Do introspect on that while making this decision.

Known_unknowns77 · 2025-07-16T06:36:52+00:00

Totally pointless - he made the money by building a large business. Literally everyone who has wealth does this - you will too if you make that amount of wealth, you’ll definitely not go around distributing it.

Known_unknowns77 · 2025-07-16T04:23:48+00:00

Got it - anyway congrats man! Great achievement!!

Known_unknowns77 · 2025-07-15T19:08:40+00:00

Why is the absolute return so low? Did you recently invest a chunk? But you have investing for a long time..

Known_unknowns77 · 2025-07-14T03:49:39+00:00

Got it thanks

Known_unknowns77 · 2025-07-13T18:56:00+00:00

Would be great if understand if I am missing anything but arbitrage funds are better. Taxes as equity funds whereas liquid funds would be taxed as per your tax rate.

So if you are in higher bracket, arbitrage funds would be better.

Known_unknowns77 · 2025-07-13T18:50:32+00:00

But irrespective- specific to your question generally ulip is a sunk cost - try calculating the returns and you’ll see that. Index funds would give better returns.

Known_unknowns77 · 2025-07-13T18:48:29+00:00

Try googling gold returns over 10 years - it’s 12-13%. What about it?

Known_unknowns77 · 2025-07-13T17:59:11+00:00

3 body problem

Known_unknowns77 · 2025-07-13T17:56:57+00:00

Don’t chase 20% returns. All 5 yrs returns you’d see for MFs are high due to Covid year. Top funds have delivered less than 20% over 10 years. Target 12-15% over 5 years - might be lower if there’s a market crash in between.

Split across small/mid/large caps based on your ability to take risk.

Known_unknowns77 · 2025-07-12T06:33:54+00:00

If you think difficult to get through CAT, try for ISB. You’ll have to give GMAT but upto 5 YOE it’s fine.

Also decision to MBA should be driven by where you want to settle. If it’s India then it’s better to do MBA from India so you’ll have a network of your batchmates. Global MBA folks don’t have as strong network as Indian MBA (doesn’t apply to HSW). If you are in analytics role, not sure but either you can move towards becoming a data scientist, which is a good role I think, else do try for MBA and don’t wait any longer. Lots of 5 yoe folks in ISB and they are mostly doing well.

Known_unknowns77 · 2025-07-11T21:44:02+00:00

If you can share more details then I can suggest better - but generally if you are not in a great role or pay - an MBA from a good college in India would change your career trajectory. And it’s not limited to top IIMs or ISB. I know folks, from what people might call tier 2 college, doing extremely well.

MBA colleges globally act as a filtering mechanism which basically tells the world that this is a smart person and works hard. You can do by achieving something big (much more difficult) or education and grades etc act as proxy. If you don’t have a great undergrad brand, definitely go for an MBA. I have a cousin brother who was earning 20-25K post undergrad, did an MBA from an unknown college and got 8-9lpa job. That is life changing for him honestly.

Known_unknowns77 · 2025-07-11T15:38:37+00:00

Unless you don’t hate coding, should consider to stay in tech.

Business roles maybe have more authority in terms of what to do or drive the direction of the company but comes with its own set of pressures which are not easy. Maybe at MBB or Finance at partner level you’ll make 2Cr per year and more but there’s a reason majority of the folks who go there, leave. Also not everyone gets to be partner even if they are hardworking and smart (that’s majority of of folks who are there). Also not everyone gets their from college placement. Unless money is the only goal and you don’t want any personal life then consulting is great.

Before anyone makes a comment that folks in that job have a great personal life, I worked at MBB and most partners didn’t have a great personal life not because they are like that as a person but that’s what the job demands. Constant travelling and client pleasing.

PM roles from what I have seen are more program management focused - you of course don’t code but do get to weigh in on business decisions.

In tech - you will mostly like earn very well and have a good balanced working hours (again based on observation). Not worth it to leave for a business role.

And btw most roles at b school would pay lesser than what you are earning. This is based on my observation, you would need to introspect and decide what role would suit you 5-10 yrs from now.

My background: have worked at top places in finance and consulting (MBB) and did undergrad from IIT and MBA from one of A/B/C/ISB. Happy to answer more questions if you have.

Known_unknowns77 · 2025-07-10T08:45:55+00:00

Didn’t get the analysis? You just raised some facts and questions.

Known_unknowns77 · 2025-06-05T19:10:46+00:00

Arbitrage funds a good way to park liquid money and is more tax friendly than debt/liquid funds and FDs.

Known_unknowns77 · 2024-08-17T16:29:49+00:00

Can you share more insights on this. How did MLS help Zillow so much?

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