u/Famous-Raspberry9915

My current portfolio is as follows:
U.S. Assets
Cash in bank: USD 90,000
Fidelity investments: USD 35,000
401(k): USD 45,000
India Assets
Noida flat worth approximately ₹1.5 crore, generating ₹29,000 monthly rent
Lucknow flat worth approximately ₹90 lakh, expected to generate ₹16,000 monthly rent
Varanasi plot worth approximately ₹80 lakh
Mutual funds: ₹1.6 crore
Gold investments: ₹1 crore
Sandhya’s mutual funds: ₹20 lakh
Sandhya’s cash savings: ₹5 lakh
Sukanya Samriddhi Yojana (SSY): ₹20 lakh
Provident Fund (PF): ₹40 lakh
Public Provident Fund (PPF): ₹20 lakh
National Savings Certificate (NSC): ₹5 lakh
In addition, my wife is a government teacher earning approximately ₹82,000 per month.

Given this financial position, can I start planning to return to India and think about partial retirement?

Is CAD 150k a good salary in Quebec compared to USD 160k or a ₹40 lakh salary in India? I have the option of an inter-company transfer from the USA to Canada or India due to my visa max-out, and I am analyzing which option would be best.

Hi everyone,
I’m facing a tough crossroads and would love some guidance from those who’ve been through something similar.
My current position is being relocated from NY USA to Montreal, Canada — but with a 25% salary cut, which would reduce my overall savings by nearly 40%. My H1B is maxing out in April 2027, so my options to continue working in the US are limited. My wife has a government teaching job back in India, and I am planning to eventually return home — but the job market there is currently slow.
Here are the options I’m weighing:
1. Accept the Montreal move — confirm the offer, start the Canadian visa process, and treat it as a temporary backup while actively job hunting in India.
2. Decline Canada entirely — return to India now and focus on finding a job there.
3. Internal transfer within the company — unfortunately, this seems difficult since I was hired locally.
Honestly feeling quite confused about the right path forward. Has anyone navigated a similar situation? Would really appreciate any thoughts or experiences

Hi everyone,
I’m facing a tough crossroads and would love some guidance from those who’ve been through something similar.
My current position is being relocated from NY USA to Montreal, Canada — but with a 25% salary cut, which would reduce my overall savings by nearly 40%. My H1B is maxing out in April 2027, so my options to continue working in the US are limited. My wife has a government teaching job back in India, and I am planning to eventually return home — but the job market there is currently slow.
Here are the options I’m weighing:
1. Accept the Montreal move — confirm the offer, start the Canadian visa process, and treat it as a temporary backup while actively job hunting in India.
2. Decline Canada entirely — return to India now and focus on finding a job there.
3. Internal transfer within the company — unfortunately, this seems difficult since I was hired locally.
Honestly feeling quite confused about the right path forward. Has anyone navigated a similar situation? Would really appreciate any thoughts or experiences