₹4 Cr+ family portfolio (36M/33F) | ₹6L/month investing | Targeting ₹10–12Cr FIRE — looking for strategy feedback
I’m looking for perspective from people who are already financially independent or are close to the ₹10–15Cr FIRE range.
My wife and I have built a combined financial corpus of ₹4Cr+.
I want to acknowledge upfront that this is very much a joint achievement. Reaching this point wouldn’t have been realistically possible through my income alone. My wife has contributed significantly to both our wealth creation and our ability to maintain a high savings/investment rate.
Current portfolio
₹1.78Cr — Mutual funds
₹64L — Indian equities
₹41L — Foreign/US equities
₹80L — Debt + FD + cash
₹14L — NPS
₹44L — Gold
Current investing
Our combined household investment is approximately ₹6L/month, or roughly ₹72L/year.
This includes investments across mutual funds, Indian equities, US stocks, NPS and other long-term savings.
We also receive annual bonus/RSU compensation, which we generally intend to deploy toward long-term wealth creation.
FIRE goal
Our primary goal is to reach approximately ₹10–12Cr of financial assets and make employment optional.
At a 4% withdrawal framework:
₹10Cr → ~₹3.33L/month
₹12Cr → ~₹4L/month
₹15Cr → ~₹5L/month
The longer-term objective is therefore to reach a point where we can generate roughly ₹3–5L/month through SWP/SWR or another sustainable withdrawal strategy, rather than depending entirely on employment income.
We don’t necessarily want to stop working completely. The goal is to reach a point where work becomes optional rather than financially necessary.
What we’re trying to figure out
For people who are already FIRE’d or are close to ₹10–15Cr:
Is ₹10–12Cr a reasonable FIRE target in India if the objective is roughly ₹3–4L/month of sustainable withdrawals?
Would you target ₹12Cr or push toward ₹15Cr for a ₹5L/month withdrawal target?
Given our current ~₹6L/month investment rate, would you continue aggressively investing in equity for the next 5–7 years, or gradually increase the debt allocation as the corpus grows?
How would you structure the portfolio once it crosses:
₹5Cr
₹7.5Cr
₹10Cr
₹12Cr
For someone targeting a long-term ₹3–5L/month SWP, would you use a traditional 4% withdrawal approach, a lower 3–3.5% SWR, or a dynamic withdrawal strategy?
How much would you keep in debt/FD/cash as a retirement bucket before actually starting SWP?
Would you continue working beyond ₹10–12Cr and allow the portfolio to compound toward ₹15Cr, or start gradually shifting toward a more balanced portfolio and optional work?
One thing we’re particularly interested in
We’re currently investing around ₹6L/month into our portfolio.
So we’re wondering whether the next few years are essentially the accumulation/compounding phase, and whether the strategy should simply be:
Keep earning → invest aggressively → reach ₹7.5–10Cr → progressively reduce risk → reach ₹12–15Cr → transition to optional work.
Would love to hear from people who have actually crossed ₹5Cr/₹10Cr and can share what they would do differently if they were in our position today.
We’re particularly interested in real-world FIRE experience rather than generic “invest in index funds and stay invested” advice.