Abhi’s FIRE Investment Portfolio | #AbhiOnFIRE #LittleSaves


Abhi’s Investment Portfolio – as of May’2021

What happened in May’21:

  • With Elon back peddling on Bitcoins, BTC lost steam and plunged to $32K levels. This gave me an opportunity to move some funds into crypto. You will notice my crypto holding has doubled in May 2021
  • I waited and waited to get back into stocks and then dropped the idea in favour of crypto. 5 years down the line I will either regret or rejoice for this decision. Only time will tell.
  • I added a small amount into debt funds
  • With less than 8 years to clear our current housing loans, my wife and I are starting to set aside a bit of money for a new house. The plan is to have enough saved up in 2-3 years time to pay the down payment for a new house and move to that one. We will then continue to earn rent from the current one.

You can check out the details of my investment portfolio below.

Abhi

WHO, WHAT, WHEN

Abhi is a 30 years old engineer living in Bangalore. He’s on a mission to save Rs.5 Crores by age 40 to retire and do what he loves, no longer needing to worry about a job. He hopes to achieve financial independence by building a stream of passive income sources that make early retirement a possibility.

Achieved out of Rs.5 Crore Goal

6.2%

Time left to achieve FIRE Target

Current Month’s Investment Snapshot


FIRE Goals & Progress‚Äč


Value of my Portfolio by Category‚Äč


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– Cashbacks I earned, made use of
….and more


Monthly Income & Expenses

wdt_ID Category Amount
1 Income (Spouse & Myself) 148,772
2 Total Passive Income 27,257
3 Passive Income (as cash in hand) 10,789
4 To Parents 25,000
5 Utilities 4,500
6 Apartment Maintenance 2,800
7 Household Expenses 12,000
8 Fuel 1,000
9 Misc/Unforeseen Expenses 2,500
10 MBA EMI (0% interest) 23,000

Better your Personal Finances

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  • Money Management‚Äč: Learn to manage money like a pro. Get the best of templates and tips to make your father in law jealous.‚Äč

Passive Income per month‚Äč


Alternate Investments‚Äč

Other Investments

wdt_ID Category Invested Current Value
1 Loan to Family Friend @ 15% pa 200,000 200,000
2 Sun Exchange 33,422 36,150
4 PF 110,870 405,723
5 NPS 100,000 126,017
6 APY 6,810 6,810
7 New Property Fund 155,820 155,820
8 Investment/Insurance Funds 505,950 505,950
9 Loan Taken @ 7% pa -100,000 -100,000
10 Liquid Fund (for Emergency) @7% pa 0 0
11 Cash (for Emergency) @4% pa 69,855 69,855
12 Grip Invest 0 0
13 TradeCred 202,592 206,392
14 Fixed Deposit @5.5% 25,000 25,521
15 Total

P2P Investments‚Äč


Cashbacks & Rewards – Balance‚Äč

wdt_ID Month American Express Points Cashkaro CRED Airmiles Flipkart Supercoins & Vouchers Hotels & Stay points Other points programs Quickride IOC Rewards Play Rewards Total
1 01 Feb 2021 4,532 1,503 17,025 20,813 1,231 2,593 2,200 0 22 1,000 50,919
3 01 Jan 2021 6,794 1,252 15,889 20,637 1,207 2,593 2,200 0 22 1,000 51,593
8 01 Dec 2020 5,935 95 13,887 20,102 1,207 2,593 2,200 0 16 1,000 47,034
9 01 Nov 2020 4,182 5,546 14,675 19,753 1,752 2,593 2,200 0 16 1,000 51,715
10 01 Oct 2020 5,388 5,546 13,993 19,431 2,705 2,593 200 0 303 1,000 51,158
11 01 Sep 2020 4,493 4,806 12,631 18,845 2,945 2,593 200 0 303 1,049 47,864
12 01 Aug 2020 3,734 3,847 11,381 18,545 2,577 2,593 200 0 286 399 43,562
13 01 Jul 2020 2,894 3,204 10,713 15,650 2,229 2,593 200 0 286 324 38,093
14 01 Jun 2020 2,091 3,198 9,253 14,790 1,679 2,593 200 0 279 302 34,385
15 01 May 2020 159 3,167 8,317 13,822 1,378 2,593 200 0 279 264 30,179

Cashbacks & Rewards – Redeemed‚Äč

wdt_ID Month American Express Points Cashkaro CRED All other Credit Cards Flipkart Supercoins & Vouchers Other points programs Quickride Paytm Cashbacks Amazon Pay Card+Cashbacks Play Rewards Total
1 01 Feb 2021 9,000 0 201 3,012 0 0 0 0 2,188 0 14,401
3 01 Jan 2021 0 0 125 3,461 0 0 0 22 934 0 4,542
8 01 Dec 2020 0 4,210 8466 800 2,724 0 0 10 1,055 0 17,265
9 01 Nov 2020 7,000 0 776 6,847 1,480 287 0 20 693 0 17,103
10 01 Oct 2020 0 0 133 1,050 500 0 0 60 1,333 60 3,136
11 01 Sep 2020 0 0 140 2,112 100 0 0 0 375 70 2,797
12 01 Aug 2020 0 0 170 1,243 200 0 0 0 1,284 0 2,897
13 01 Jul 2020 0 0 85 1,289 100 0 0 0 929 0 2,403
14 01 Jun 2020 0 0 110 658 559 0 0 0 529 0 1,856
15 01 May 2020 0 0 99 1,881 0 0 0 11 457 0 2,448

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