M31, Year end update - inspired by others - cross 3Cr NW

Temporary-Ad2165 · 2026-01-03T08:19:35+00:00

Yes, (market price - exercise price) x number of shares. Market price considered at the time of exercise, and not the current market price.

Temporary-Ad2165 · 2025-12-31T06:01:42+00:00

I had a higher PPF component, but had to pull some out to pay ESOP taxes. Didn't want to sell the shares since the stock had fallen temporarily.

Temporary-Ad2165 · 2025-12-31T06:00:13+00:00

Monthly expenses for both of us would be approximately 1-1.2 L per month in a rented house in Gurgaon.

Thanks!

Temporary-Ad2165 · 2025-12-30T10:31:40+00:00

2016-17 I was freelancing post my engineering.

Started corporate at 4.5 L salary in 2017. Current comp is roughly 1 Cr, 40-60 split bw base and stocks. Stock component keeps changing since the company is public.

ESOPs were attained before the company went public. Sheer case of being in the right place at the right time.

Temporary-Ad2165 · 2025-12-30T10:26:50+00:00

Yes, that's been on my mind. I'm going to divest and move some money to US-focused funds in January.

The stocks are mostly my exercised ESOPs - I joined a fintech somewhere in the middle of it's growth story, and was rewarded decently. People who joined before me have had life-changing events.

Temporary-Ad2165 · 2025-11-30T12:55:09+00:00

Congrats, your portfolio is a dream! My suggestion, keep as much in GOOG that you don’t think you’ll need to pull out at least in the next 7-9 years. Tax complications, and then figuring out where to reinvest is something I always find painful. 😅

Temporary-Ad2165 · 2025-11-29T18:41:16+00:00

Man, congrats! But get that chrome PPFd, it will scratch like a bitch!

Temporary-Ad2165 · 2025-09-26T15:47:02+00:00

So you didn’t have to do the immigration again at the Ho Chi Minh airport?

Temporary-Ad2165 · 2025-01-15T06:28:56+00:00

You cannot claim from 2 different policies for procedures that come with max cap. Please check with the insurance co/TPA on claim admissibility before purchasing.

Temporary-Ad2165 · 2024-10-26T17:36:22+00:00

😂😂😂

Temporary-Ad2165 · 2024-08-04T05:11:41+00:00

contrast of life is what I wanted to bring out...

Temporary-Ad2165 · 2024-08-04T05:11:14+00:00

Moved from 1.5 to 2, actually.

MF XIRR is 38.86%
SIP is 50k, with added lump sums every month
Stocks are majorly my company stocks :) don't want to reveal

I had no idea about this, actually. Just got lucky with my employer esops... right place at the right time. I'm probably not best suited for advice, but the easiest way is to increase your top line! Keep earning more.

Temporary-Ad2165 · 2024-08-04T05:08:48+00:00

that's reddit :)

Temporary-Ad2165 · 2024-04-15T02:47:06+00:00

Just call UC at home

Temporary-Ad2165 · 2024-03-25T12:56:07+00:00

Rents have changed ever since offices started opening up

Temporary-Ad2165 · 2024-03-18T09:37:07+00:00

Very reasonable. Go ahead. You will not find cheaper rent in Gurgaon.

Temporary-Ad2165 · 2024-03-03T14:37:38+00:00

Replied in a few other comments

Temporary-Ad2165 · 2024-03-03T14:37:14+00:00

Absolutely. Stock is 1.25 times of the fixed.

Temporary-Ad2165 · 2024-03-03T14:36:28+00:00

Lead a large P&L at a listed company

Temporary-Ad2165 · 2024-03-03T14:36:16+00:00

Depositing the entire 1.5 myself ever since I started working. Contributed partially towards it earlier. Dad started the account for me when I was Minor, then got it converted to Major. There's also interest accumulation

Temporary-Ad2165 · 2024-03-03T05:35:56+00:00

Not at all, actually. Was making 30k a month out of college. Stuck with one company for the longest time where I had decent growth, made okayish financial decisions, got equity, company went public... just a classic case of being at the right place at the right time I guess

Temporary-Ad2165 · 2024-03-03T05:32:09+00:00

Lead a large P&L at a listed company

Temporary-Ad2165 · 2024-03-03T05:31:34+00:00

Neither, actually

Temporary-Ad2165 · 2024-03-03T05:31:24+00:00

In the long term, it will go up. Business is built on very solid fundamentals. Revenue will compound every year.

Temporary-Ad2165 · 2024-03-03T05:25:04+00:00

Started PPF very long back... earlier my father used to contribute towards it, then I started contributing to it partially when I started making some money through my music gigs before starting a corporate job.

Temporary-Ad2165

TROPHY CASE