Year End Update - FY26
Previous Post: Here
Since I follow our financial year....
Progress:
Current Allocation:
All figures are in INR.
Direct Equity (India): 55L
RSU (US): 1.36cr
Equity MF (India): 2.08cr
Arbitrage MF: 26L
Debt (PPF/EPF/NPS/SSY/Savings): 1.75cr
Yearly expenses: ~18-20L
Update Since last post:
- Purchased a bigger house costing me 2.5Cr. Possession before Diwali. 50L own contribution, else year end networth would have been higher.
- Not counting loan into liability as of now as the current house would negate that.
- Stopped PMS. Reason: They were doing trading. I wanted long term investment. Trading is not suitable to me, not even via PMS.
- RSUs just took off. Major contribution to networth in last one year is because of that.
- Increasing direct equity investment. So far so good. Better than MFs as of yet.
- Difference in networth between mar 31st and today (April 15th) is almost 30L (same as my CTC 7years back). That's how crazy the swings can be.
Some obvious things:
- In tech obviously. Since 21 Years.
- FAANG (since 2 years). Not difficult to guess.
- Never worked outside of India.
I think I am FI now. Couple of more years to build extra buffer.
u/Natural_Skill218 — 6 days ago