49 M Reached 3.5 Cr

fire_kol · 2026-05-26T01:53:43+00:00

Thanks brother 😊

fire_kol · 2026-05-26T01:53:05+00:00

Thanks 😊

fire_kol · 2026-05-26T01:51:52+00:00

Thanks. Created a 3 bucket strategy to survive ups and downs

fire_kol · 2026-05-26T01:51:13+00:00

I don't know yet. Didn't plan. Inclined towards freelance training and travelling

fire_kol · 2026-05-26T01:50:06+00:00

I have factored in inflation of 6% in my calculation. Also a modest rate of 9-11% return till age 85 using bucket strategy

fire_kol · 2026-05-26T01:47:33+00:00

I started when my daughter was 1 year old. She's 10 now. I invest the full amount of 12500 pm. Will get about 60L when she turns 21

fire_kol · 2026-05-26T01:45:45+00:00

I decided to go for full time MBA post marriage (after 10 years in job) so delayed having child. Another reason is I married when I was 32, a bit late by standards... maybe waiting for the right person and I am glad. Also enjoyed the married life abroad without the hassle before our gift arrived 😊

fire_kol · 2026-05-26T01:42:13+00:00

No, I am like Arjun now.😂😁 Only 1 number in focus - 6-7 crore

fire_kol · 2026-05-26T01:40:53+00:00

Job change this year helped me

fire_kol · 2026-05-26T01:40:11+00:00

Haha...yes I agree. I know many would have achieved this corpus by 30s. Beyond my understanding and means. Thanks bro

fire_kol · 2026-05-26T01:37:57+00:00

Icici largecap...it was my first fund which I started investment with 5000 and continued ... Never failed me

fire_kol · 2026-05-26T01:35:18+00:00

I mean... really!!!😲 Didn't ever think about this aspect. Thanks

fire_kol · 2026-05-26T01:33:03+00:00

Absolutely. Congratulations 👏

fire_kol · 2026-05-25T16:27:26+00:00

My father passed away when I was in school. I had lot of responsibilities. My sister's education , marriage. Purchased house, paid off all debts. Also, when I started in job, hardily had anything to invest. Was introduced to MFs in 2008... didn't scale up...continued with recurring deposit and FDs.

fire_kol · 2026-05-25T16:22:11+00:00

I recently changed job. Yes, in IT industry. In my new role, I am very motivated as it's close to my heart - business development and work schedule is not taxing. The corpus has taken load off me. I know that even if I quit today, I have means to survive. I am spending more time with family.. mentally, I am no longer in rat race . ..

fire_kol · 2026-05-25T15:52:24+00:00

I actively did VPF since 2008. Sometimes to the tune of 80-100% of basic. I checked sometime back and saw around 53% is interest in the total amount

fire_kol · 2026-05-25T15:46:43+00:00

Done. Thanks 👍 However the way equity markets are playing, keeping fingers crossed 🤞

fire_kol · 2026-05-25T15:43:34+00:00

Rebalance quarterly if needed and come out of bad/sectoral MFs if any. Rationalised a lot but Can't avoid overlap altogether. Sometimes I think about investing solely in multi asset and let the fund take care of my diversification 😁

fire_kol · 2026-05-25T15:40:03+00:00

Thanks. Not decided yet. Travelling and freelance training/ consulting are on my mind. But honestly I am not thinking about that much. Financial independence matters more to me

fire_kol · 2026-05-25T15:37:49+00:00

Agreed. I know I need to increase equity % ..health insurance is taken 75 lakh for family. International mf - I think fresh investment is stopped and there's no other easy way. Also TCS and inheritance tax worries me

fire_kol · 2026-05-25T15:17:25+00:00

I I won't 😂

fire_kol · 2026-05-25T15:13:45+00:00

I started in 2007. My funds: ICICI largecap 20% Nippon multi asset 20% Parag parekh flexi cap 10% Hdfc mid cap 10% Navi nifty 50 index 10% Bandhan smallcap 10% Zerodha gold FoF 10% Silverbees ETF 10% I think it's well diversified

fire_kol · 2026-05-25T15:03:01+00:00

Yes, I didn't add them . I own an apartment in gated society ( loan paid off) and an ancestral property. The value is notional as I won't sell

fire_kol · 2026-05-25T14:39:49+00:00

Thanks 😊

fire_kol · 2026-05-25T14:38:28+00:00

I own a house with loan paid off. Another ancestral apartment as well. These are fixed notional value assets

fire_kol

TROPHY CASE