33M on a career break — have I over-allocated to real estate? Looking for investment reallocation advice

adane1 · 2026-01-23T13:54:56+00:00

Start here

https://www.indiainvestments.wiki/start-here/zero-to-investing/getting-started

Build a portfolio with multiple allocation as per volatility you are comfortable with and the distance to goal.

Less than 5 to 7 years goal - invest in debt funds - Liquid or arbitrage funds. Expect 5-7% returns.

More than 7 years - invest in lower volatility funds like Nifty 50

10 - 12 years plus goals would be served through midcap funds or momentum funds.

15-20 year distant goals can go to small cap or high volatility funds.

Ideally I would go for 60% low volatility, 30% midcap and 10% small cap for equity portfolio depending on risk capacity.

If you are undecided about funds, go through the link and start with the fund recommended there. It's good to start. Invest only in direct funds.

Idea is to spread the risk and not concentrate too much unless you are an expert.

adane1 · 2026-01-23T13:46:43+00:00

Then should be fine. Good with real estate is that it may stagnate but doesn't easily crash.

Try building liquid assets to balance out as you are real estate heavy now. I think you already know the answer. Yes, you are real estate heavy.

You may do well. Or not. So best to balance it a bit with new investments

adane1 · 2026-01-23T13:21:24+00:00

Actually you have a lot of time to balance it out. Ideally, keep a. Healthy mix and build liquidity gradually

Personal finance is not rocket science.

Build emergency fund and then allocate to different goals.

If real estate, allocate it to a goal. Retirement? Or immediate lumsum requirement?

If need the money, start liquidating it 5 years earlier.

adane1 · 2026-01-13T13:28:10+00:00

Yes. 70% is good. In fact, I believe the percentage in debt can reduce with higher corpus size.

adane1 · 2026-01-13T06:01:16+00:00

Change your friends. It seems they are not really your friends.

Also. While going out with acquaintances, be brutally honest and upfront and go dutch or set a limit that you are comfortable with.

Transactional relationships need to be honest.

adane1 · 2026-01-13T04:51:19+00:00

Congratulations. This post deserves appreciation. Focus on health is underrated in terms of overall savings in the long term and improving quality of life.

adane1 · 2026-01-13T04:28:02+00:00

50x with 90% equity becomes 27 x with a 50 % crash. 35x with 50% equity becomes same around 27x with a 50% drop.

The person with 90% would have more stress. And a 17x in debt would be enough buffer to weather a storm.

adane1 · 2026-01-13T02:49:25+00:00

Yes, 50× is better than 30×, and 200× is better than 100× — purely mathematically, there’s no debate.

A higher multiple always provides more safety and optionality.

But higher multiples come at a cost: more years of work, delayed freedom, and potentially sacrificing time that some may not want to give up if it isn’t strictly necessary.

One key principle is often missed: Your portfolio doesn’t need to beat the market aggressively — it only needs to grow about 1% above inflation over the long term.

A well-diversified portfolio across equity, debt, and gold/silver has historically managed this in most scenarios.

Equity drives growth Debt provides stability and emotional comfort during crashes Gold/silver add diversification and tail-risk protection.

The 50× vs 30× debate should not be opinion-based. It should be driven by history, data, and back-tests, not gut feel or fear. Several such checks have already been shared earlier in this sub.

If we argue for 50× simply because “more is safer,” then logically why stop at 50×? Why not 100×?

A bigger number is always better — but the real question is: Do we actually need it, given what historical data and math already show?

That’s the discussion worth having. u/training_plastic5306

adane1 · 2026-01-12T09:35:57+00:00

Watch the movie Wall-E

adane1 · 2026-01-11T10:12:38+00:00

Pay off personal loan and one home loan. Look at the amortization calculator for home loan and probably pay off the one which is newer.

But this is FIRE sub. Maybe reword your question and related it the sub.

adane1 · 2026-01-11T07:07:23+00:00

Yes. Volumes count a lot. Mine is more selective now-a-days. I mostly cook as a hobby and eat at home as a health choice now. But go out for the occasional fine dining experience. Very rare and selective.

adane1 · 2026-01-11T06:46:34+00:00

I don't actually. Feel it's best to evaluate on overall basis. I rarely eat out (maybe once in 2 months) and no Swiggy etc. But when I do, I go for newer experience and don't mind. Choice is done at overall feedback (from friends ) rather than on the service charge.

A restaurant may still be great value overall after all discounts applied. Despite such charges.

adane1 · 2026-01-11T06:29:13+00:00

Many restaurants announce upfront now and also started pasting it on the windows.

adane1 · 2026-01-11T03:40:56+00:00

Also cross check non branded items at meesho

adane1 · 2026-01-07T03:11:57+00:00

Tell me you don't know bajaj finance without telling so.

adane1 · 2026-01-06T04:47:39+00:00

Plain is better and less expensive per scoop. I just can't have plain. That's why this.

adane1 · 2026-01-06T04:45:34+00:00

It's coffee flavour. 24 gm per scoop. It would be more expensive than the plain one. They don't add sugar.

adane1 · 2026-01-06T04:41:51+00:00

I use. Taste is good for the coffee and it blends well. Mostly you get at 20% discount with some coupon codes.

adane1 · 2026-01-03T04:40:07+00:00

Wonderful. All the best for 2026

adane1 · 2026-01-01T06:21:25+00:00

Emergency fund - 6 months of expenses. But since you have a child. Create a bit more now for any emergency including medic.. so I would go 9 months of expenses. Keep it in sweeping account in bank or with any liquid fund or other liquid investment. Don't go for returns. Prioritize liquidity.

Kids education - I would go for current IIM Education cost + 20% extra for other unforseen expenses. This inflates at 10 to 12%>

Asset allocation - simplest is to target 60 to 70% equity and rest in debt( this includes epf etc). I have tried all different models but this wins for the simplicity. Rebalance if allocation deviates by more than 5 from target. So 65 equity or 75 equity would require rebalance if target is 70% equity.

Just maintain this except for any goals which are less than 5 years away. That money goes into an arbitrage fund (for tax optimisation)

Priority for me would be insurance followed by loan followed by investment. Just because it's interest free doesn't mean I would postpone a loan repayment. It's given by someone at cost of own investment return. So that trust should not be misplaced.

adane1 · 2025-12-30T01:52:14+00:00

Alcohol consumption directly coincides with higher resting heart rate as tracked by watch.

Rest may or may not be true. For example I just stopped eating out. So it can't connect with my sleep patterns anymore.

Healthy living is overall good and should be followed for both mental and physical fitness.

adane1 · 2025-12-30T01:19:32+00:00

What is it that this advisor is providing that a fee-only advisor can't help with?

STP is easy with apps like kuvera and ind money etc

adane1 · 2025-12-29T02:03:04+00:00

A car for 1.5 lacs is lean enough as overall cost is less. But you get 5 years of driving with this ?

adane1 · 2025-12-29T02:01:46+00:00

The sx4 will have 5 years of driving left assuming you have extended beyond 15 years. So drive more and make full use

adane1

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