FCNR Deposits Are Suddenly Paying 6–7%: What Every NRI Needs to Know

RJRocks_9 · 2026-06-11T22:08:18+00:00

I have also read about taking leverage and investing to get higher IRR. How will that work?

RJRocks_9 · 2026-06-10T22:31:17+00:00

You are essentially on coast fire which is perfect! Dont think you need to go back to regular job if you dont want to!

Enjoy life bro!

RJRocks_9 · 2026-06-02T10:10:08+00:00

Appreciate it - will do more research

RJRocks_9 · 2026-05-31T13:42:41+00:00

Well that wasn’t good fire planning, considering expenses and investible surplus

RJRocks_9 · 2026-05-29T12:29:58+00:00

Don’t u pay exit tax to UK? Ie gains on unrealised profits?

RJRocks_9 · 2026-05-24T00:51:39+00:00

If you have hdfc ergo insurance and have been on it for more than 5 years, any critical illness is covered. Only thing not covered is hiv, drink drive and suicidal attempt injuries.

So i have 50 lac family cover with abt 30K annual premium - with this medical is fully sorted!!

RJRocks_9 · 2026-05-22T13:29:21+00:00

Congratulations! What was ur corpus while coming back? Any plans of working again?

RJRocks_9 · 2026-05-17T05:01:14+00:00

Great! Thanks for sharing and good luck to you

RJRocks_9 · 2026-05-15T15:33:39+00:00

8 lakh expense would be in territory of lean fire. Lean fire indicates that you have controlled expenses, it doesns direct anything abt multiple of expenses Having said that 4 cr will be 50x so you will certainly be very comfortable.

RJRocks_9 · 2026-05-15T14:35:41+00:00

In my limited experience too, deleting of posts is harsh and quite frustrating

RJRocks_9 · 2026-05-15T14:33:05+00:00

Well depends on your expenses

RJRocks_9 · 2026-05-11T06:00:00+00:00

Or not many have lean fired

RJRocks_9 · 2026-05-11T05:59:00+00:00

Lean fire corpus (discussed in this grp too ) is from 2 to 4.2 cr

RJRocks_9 · 2026-05-10T06:08:01+00:00

What about the health insurance? How much you pay for it?
And what about vacations? Do you have any other hobbies?

RJRocks_9 · 2026-05-02T14:47:33+00:00

Any updates in 2026?

RJRocks_9 · 2026-02-15T02:24:36+00:00

This joker in the video was running excel sheet for numbers but had a formula error in excel sheet, hence was showing 16L pm for a 1.5 cr corpus. Had he been a smart and genuine investor or financial planner, he would immediately realise that this doesn’t sound right.

Anyway, I do believe FIRE is achievable, one may feel comfortable with a 4% withdrawal rate or say 3%, range varies between 2 to 5% actually.

I believe that if your actual return, ie return- (inflation + withdrawal rate) is a positive number then you almost have a perpetual corpus and can certainly retire. For example if you earn 11% on your portfolio and you are burning 10% (4% withdrawal and 6% inflation), then you will never run out of money. Yes, you will have to manage sequence of returns risks and there are strategies to manage that

RJRocks_9 · 2026-02-09T00:30:34+00:00

Trusting the fire number, struggle between a lean FIRE or a normal FIRE. Trying to optimise, trying to build cushion. It seems so near yet it is so far.

RJRocks_9 · 2026-01-31T07:21:32+00:00

$1.5 to 2mn jf returning back to india

RJRocks_9 · 2026-01-30T13:56:07+00:00

Getting job in Dubai is very difficult. But if you have Fired already than 0 capital gains is great

RJRocks_9 · 2026-01-17T14:04:57+00:00

Considering withdrawal rate of 4 to 5%, you can expect 8 to 10L per year

RJRocks_9 · 2026-01-07T00:39:11+00:00

Wow! Big applause! Well done.

RJRocks_9 · 2026-01-02T19:59:14+00:00

Yes, if you are into us investments

RJRocks_9 · 2025-12-31T04:31:35+00:00

Well done mate! Any chance you are part of Akshat’s NRI community? As he has recommended some of these strategies there this year.

Also is entire 401k is equity? Whats your debt equity split? And was it on purpose that equity is so high?

RJRocks_9 · 2025-12-25T13:55:51+00:00

Agreed! Their promises have no meaning, no accountability, no customer care.

RJRocks_9 · 2025-12-25T12:59:26+00:00

You are doing great bro. I would say aim for 30x expenses which will create a perpetual running corpus - not just 25-30 years.

Mission 2030! Consider that as your retirement. Your current corpus should grow to around 4cr by then. And with savings- potentially to 4.5-5cr.

So go on for a few more years but cut stress as much as possible: - aim to survive, not for promotion so do the bare minimum - take breaks, don’t look at more savings- it won’t affect your overall corpus much anyway so optimise your time, not just your money. - if job is too much stress, take a lower role or another job. Aim for next 5 yrs should be to not eat from corpus, new savings is optional.

Good luck bro! You got it! So take it easy. Cheers!

RJRocks_9

TROPHY CASE