Abhi’s FIRE Investment Portfolio | Updates for the year 2022

Updates for the year 2022

The year 2022 was a googly year for our family. There were developments on multiple fronts.

  • Wife and Daughter moved abroad
  • Sibling’s marriage
  • Great deal of time spent outside of India
  • Major life shift in moving family to a different country
  • Drop in Stocks, Crypto and alternate investments as well as points and loyalty due to very little spends in 2022

First and foremost, early 2022 my wife got a job abroad which bought about quite some discussions and calculations on the pros and cons. Schooling for daughter, what to do with my job, getting a home abroad, moving things from India to abroad or just get new things there and so many more dilemmas.

Ultimately we decided to take a center path where wife and daughter travel abroad first a I go for a month to get them set up, post which I come back and continue with my work in India for the rest of 2022 and join them early 2023 once I have quit my job in India. I could not quit my job in Bangalore as I had a number of things to account for, namely, home loans x2, car loan as well as my sibling’s marriage that was arranged for the end of 2022.

The one month I planned abroad turned into near half of 2022 as we found it difficult to get a house on rent in the budget there. Fully furnished houses were difficult to come across and we finally settled on a small unfurnished house. I used an OLX alternative to furnish the house getting fridge, washing machine, bed and oven. We took the required clothes, utensils etc from India.

In the time I spent there we got the house set up, school for my daughter and other necessities, all while I continued working in my current job remotely. Once this was done, I got back to India to start preparing for my sibling’s wedding.

In this entire period my monthly savings were depleted and more over I had to dip into my rainy day funds too liquidating near half of my Gold bonds and a few other nest eggs to pay for wedding and moving expenses.

With my focus elsewhere I have not been able to catalog my FIRE trackers or put up monthly updates. My apologies for that. This will change from 2023 as a number of major responsibilities have concluded and I will be able to focus on Little Saves post this.

As of the end of 2022 the following is the state of our family:

  • Wife is working abroad earning in dollars
  • Daughter is studying in nursery abroad
  • The expenses abroad such as rent, groceries, school fees, transport etc have now been set up to be completely handled from my wife’s salary. On the flip side, no savings is possible from my wife’s salary.
  • I am now back in India with my parents as it is not sustainable to be earning in Rupees while spending in Dollars.
  • I hope to have most of my Company Leased Vehicle loan and a few other loose threads closed by early 2023 and then quit my job in India.

On the investment side several things went wrong:

  • FTX closure impacted several other crypto investment, bringing along the value of the market overall
  • I had to draw down on Gold and several other alternate investments to fund for the family move abroad as well as the wedding
  • Russian Ukraine conflict had a minor impact on the investments I had on several European platforms.

I closed the year 2021 having achieved 13.5% of my FIRE Goal. At the end of 2022 I closed at 13.47%. Slight drop in total. But the future seems to be a lot more interesting as once I have pivoted abroad, with my wife’s salary taking care of expenses there I should be able to have my income completely go towards savings. Not to mention all the other avenues I will be getting to explore while staying in a different country. Stay tuned to hear all about it!

You can check out my earlier updates below.

I’ve been tracking my FIRE Journey from October 2019, back when I had started out with Rs.5,00,000 and a goal to achieve Rs.5,00,00,000 to FIRE early. In the past I used to write one article per month to give my updates which later on changed to have one page on which my progress is updated every month.

So here is the list of old articles that tracked my progress in the past.



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


Current Month’s Investment Snapshot

Final GoalRs.5 Crores
Current ValueRs. 67,34,613
Goal Achieved13.47%
2022 Passive Income EarnedRs.4,15,703
% saved from monthly income71%
% of income from passive sources27%
Time left107 of 144

FIRE Goals & Progress​

Note 1: The big jump you see in my networth between May’21 to June’21 is due to me moving out and renting my house. As the property started earning rent, I included the equity (excluding the outstanding home loan) in my net worth

Note 2: You will see a disparity between my monthly income and how much I invest per month. This is due to me selling/shuffling investments and re-investing them. So when an earlier investment of Rs.1000 becomes Rs.1500 and I reinvest it somewhere else, the new investment is Rs.1500, the additional Rs.500 is not from my savings or salary, so it is possible to see my savings from Salary in a month is only Rs.X however I would have invested more than that.

My tracking can be improved I believe, perhaps over time I will tweak it. Feel free to suggest better ideas to me or ask for a particular addition by writing to me at [email protected]

Total portfolio value increased by 23 lakhs in June’21 as I rented out my home and added the value of the property in my total assets. Read June’21 above for details.

Value of my Portfolio by Category​

Abhi's FIRE Investment Portfolio | Updates for the year 2022

Asset Allocation

Asset ClassAssetVolatility% of PortfolioTarget %Current Value
EquityIndian StocksHigh2201,16,000
EquityForeign StocksHigh2248,339
EquityEquity Linked FundsMedium483,29,949
Fixed IncomeRetirement FundsLow9159,25,914
Fixed IncomeGold BondsLow18107,20,000
Fixed IncomeFixed DepositsLow0027,310
Fixed IncomeDebt FundLow735,63,916
Fixed IncomeCorporate DebtMedium352,84,736
CashP2P LoansMedium353,41,517
CashCash in HandLow301,05,272
CashLiquid FundLow020.00
CashLoyalty & Reward PointsLow1162,004
CashLoans TakenLow-30-225,000.00
Real EstateRental PropertyMedium432031,70,316
Real EstateREITsMedium030.00
CommoditiesPhysical Gold & SilverLow21125,120
CryptoCrypto AssetsHigh651,16,111

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Better your Personal Finances

better personal finances

  • Financial Independence​: Learn to stop depending on your salary and get to a point where a full time job is just optional.​
  • Retire Early​: Are you planning to work 9 to 5 till 65? Well Early retirement is a possibility and we show you how.​
  • Passive Income​: Stop chasing money. With a good stream of passive income money follows you no matter how little work you do.​
  • Investing for Beginners​: No jargons, here are easy steps that can get your mausi to start investing and making money multiply​
  • Money Management​: Learn to manage money like a pro. Get the best of templates and tips to make your father in law jealous.​

Property & Real Estate Investments

LocationTypeValue of PropertyAmount Paid UpRent Income/monthLoan End Date
Bangalore2 BHK Apartment520000027,39,00021,00002 Apr 2029
Bangalore3 BHK Apartment (under construction,2024 delivery)48500004,31,316031 Aug 2033

Passive Income per month​

2019 – Total Passive income was Rs.1,28,203
2020 – Total Passive income was Rs.1,86,471
2021 – Total Passive income was Rs.4,76,538
2022 – Total Passive income was Rs.4,15,703

Alternate Investments​

CategoryInvestedCurrent Value
Sun Exchange34,62242,300
Minimum Income Plan3,06,0003,00,000
Temp Loan to invest in [email protected]%00
Rental deposits @0%-225,000-225,000
Cash (for Emergency) @4% pa1,05,2721,05,272
Grip Invest50,00055,490
Fixed Deposit @5.5%25,00027,310
Physical Gold & Silver64,6101,25,120

Cashbacks & Rewards – Balance​

Cashback & Points ProgramCurrent Balance (in INR)
American Express Points12,987
Flipkart Supercoins & Vouchers1,336
Hotels & Stay points2,593
Other points programs0
IOC Rewards22
Play Rewards894

Cashbacks & Rewards – Redeemed​

Cashback & Points ProgramRedeemed in 2020Redeemed 2021Redeemed 2022
American Express Points16,00025,00016,500
All other Credit Cards17,92719,7310
Flipkart Supercoins & Vouchers7,64226,528190
Other points programs287750100
Paytm Cashbacks311720
Amazon Pay Card+Cashbacks9,73513,9873,932
Play Rewards13000

personal finance articles

Personal Finance Articles for the month​


I am not a financial expert, nor am I certified to give investment advice. What you see here is completely my journey and what I am doing with my money. Take your actions at your own discretion and with care, after all it is your hard earned money and future.

Little saves is all about promoting the habit of saving, capitalizing on deals and cashbacks, putting your money to work for you and increasing your knowledge of personal finance. I never make any stock picks or which crypto currency to buy (I suck at it!), nor do I advice you to follow me. When you are on Little Saves, try to take away the good habits that worked for me, try to avoid the bad habits that did not work for me. Don’t try to mimic my investments as what worked for me may not work for you.

I do earn advertisement fees and link fees for some posts on Little Saves. This helps to partially cover my hosting charges and costs of maintaining the site. But, I never compromise or oversell anything for the income. 90% of everything that I talk about are those I personally invest in or use, having spent countless hours reading up, then investing my own money and finally bringing it to your notice via Little Saves.