Hi everyone,

I’d appreciate some perspective on my current portfolio and how I should think about the path forward toward FIRE.

My current investable portfolio is approximately ₹3.45 crore, with this allocation:

Mutual funds: ₹1.02 Cr (29.5%)
Gold: ₹83.34 L (24.1%)
Cash: ₹45.71 L (13.2%)
Real estate: ₹33.80 L (9.8%)
Indian stocks: ₹31.12 L (9.0%)
US stocks: ₹22.56 L (6.5%)
Insurance: ₹16.29 L (4.7%)
Fixed Deposit: ₹6.07 L (1.8%)
Retirement accounts: ₹4.52 L (1.3%)

Age 36, M, with one kid
Living in own flat worth 4Cr now.

▲ 1 r/macoffer+1 crossposts

Specifications & Details:

Model: MacBook Air 15-inch (M4, 2025)
Color: Silver
Processor: Apple M4 Chip, 10‑core CPU with 4 performance cores and 6 efficiency cores, 10‑core GPU
RAM: 16 GB Unified Memory
Storage: 256 GB SSD
Age: Bought 6 June 2025
Battery Health: 93% Maximum Capacity (Cycle Count: 182)
Warranty: Out of warranty
Condition: Excellent / Mint (Clean screen, top, and keyboard deck; no scratches or dents).

What’s Included:

Location: Indirapuram, Ghaziabad, India
Expected Price: 1,00,000
Payment Mode: Cash/UPI
Shipping/Pickup: Prefer face-to-face pickup so the buyer can inspect the laptop. Shipping is available at the buyer’s risk and cost via insured courier.

Buying Apple M5 Pro

Please DM/comment if interested, with your price.

Let me know if anyone is selling at reasonable price and DM me.

For a limited time, get AirPods with Mac and Apple Pencil with iPad when you buy with education savings.