2026 update, 3.75 Cr
Last year I posted here after crossing ₹3 Cr.
link to last year's post:
https://www.reddit.com/r/FIRE_Ind/s/lkLwSav3m4
One year later, I'm 38 and our financial net worth has reached ₹3.75 Cr. If we include the house we stay in, we're at roughly ₹5.02 Cr.
Here's the current allocation:
The interesting part isn't that the portfolio went up ₹75L (which is higher than our both salaries combined together). It's how different the journey feels once the portfolio itself starts becoming a meaningful contributor.
My original target is still $1M excluding our primary residence. FI by 45 remains the plan. I'm not desperate to RE as I don't hate my job, but my wife has already mentally prepared for it in 5 more years and is patiently waiting for me to catch up. So, roughly seven years to go.
I'm still equity-heavy (slightly better as moved some of US equity to US bonds) and still comfortable with volatility because I'm working and have ~7 years before my FI target. The biggest change from last year isn't the number, though. ₹1 Cr felt like a milestone. ₹2 Cr felt like progress. ₹3 Cr felt like validation. ₹3.75 Cr is starting to feel like the portfolio has joined the team.
The end goal is $1M.
Let's see how long that takes!