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Thank you for the good content! I think 25x will be a sufficient corpus even at 40 years, applying the 4% rule (assumption - investments remain in USD). Applying a little bit of conservatism, I'd notch that corpus up to 30x. A 50x that you suggested corpus looks overly conservative to me. Could you explain the thinking? On the topic of inflation, just having ilthe corpus remain in USD is a hedge against higher inflation in India, as INR depreciates 3.5 to 4 percent annually vs USD. Thanks!
Thank you!! Generally 25x assumes you have 4% difference in inflation and returns after taxes from your corpus. India has high inflation and its better to go with 2% difference in returns after taxes and inflation. This is where what ones own perspective/conservatism in preparation comes in. Also at 40 years, there will be lot more expenses with kids, marriages etc., unknown one-time things. At the end it's what one feels comfortable with. My personal opinion, if someone is not working and want to have early retirement life at age 40, better to go with 60x. Again everyone can choose what they are comfortable with.
Absolute bollocks.. You don't need 12-15cr for a 24L/year lifestyle even with 5% inflation rate. with that level of spending, you can retire for under $1 mill USD for under 9cr. I have a few examples as well. My cousion left US after covid market boom with around 8cr INR, inveted half in indian and half still left in US. His monthly expense is around 3L and even with that his portfolio is growing. He is planning to return to work after his son turns 6 next year but doesnt need do. My neighbor did the same thing, he left India with only 5cr. Amounts like 12-15cr just discourage people from taking the bold decision to retire.
your cousin got lucky with investments. Its not a guarantee. Maybe he invested in a good fund. 12-15 cr is absolutely needed if age expectancy is 90 years and you are stopping to work at 40. Obviously you can go to mathura and settle there. Mandir will give free khichdi. Or in Haridwar.
@ How about you show me some maths instead of low IQ banter. I have done my maths and for a 24L lifestyle you should do great with 1million USD, unless of course you are a dummy!
@ Jeez, why is math so hard? With a corpus of 8cr, most in stock market, you just need 3.5% (28L) drawdown to sustain the lifestyle. In US, if your long term gain taxes is 0% for $90K (80L) withdrawl. Even if your stock grows by 7-8% per year, you money will grow forever.
Again everyone can decide their own number on what they are comfortable with. Few factors to consider. At 40, with out working there are some big expenses (kids universities, health, etc.,). Also net inflated returns after taxes are low and you would go conservative investment once you retire vs working. We are not here to discourage but provide our perspectives and let people make their own decision based on their own comfort.
First honest video that gives real numbers. No bullshit but the real deal compared to other TH-camrs. Just to add 12-15cr he is talking about is today’s money. If you retire in 10 years, double that
Video lacks key factors like investment strategy with 3 or 4% rule. Inflation... The numbers are unrealistic for most of the people. School fees and rent mentioned there are extremely higher than reality.
Thank you for such honest video as it gives a clear perspective and helps people plan their move accordingly 😊 This type of content is very much required as India is no longer a less expensive country if you want to live in the metros.
Nice video sir! Been living in Canada for almost 6 years now, planning to return to India 2029-2030 and this video puts things in perspective. Thank you
I usually admire your videos. But I think in this video you have shared unrealistic numbers. All the finance experts mention 25x of annual expenses, or if you want yo be on safer side, 33x. But you are using 50x. How did you get this number? Plus, you have used extremely broad ranges, which is not helpful as I am left equally uninformed after watching the video. I think you should have done more research on this topic before releasing this video. I highly recommend releasing part 2 with more thorough analysis: 1) how much people can realistically save in US (12-15 CR is inflated). 2) what is the safe withdrawal rate (4% in US, but in India may be 2.5% or 3% due to high inflation). 3) what are the realistic expenses (you should separate out real estate/house expenses from other monthly expenses because housing coat skews the calculation). 4) what returns you can realistically expect in Indian stock market that will help grow your corpus even if starting with 5 CR. 5) Factor in social security benefits which people can start enjoying at 62. The current video is misleading and will deter people to move to India (which is not your mission).
I think the numbers are extremely high. 12-15cr. If you have that kind of money, just putting it in a bank FD would give you enough, to live off it. Even conservatively assuming 5-7% interest
Surprised to see this message If people are ready to come out of their comfort zone If they can put extra efforts lots of opportunities are there in USA not only jobs people should think of doing business,if people having a mindset of doing business why 15years in 3-5 years people can make a million dollars but people should come out of their comfort zone like 9-5 job ,Netflix ,enjoying weekend parties,potluck
This is not real. CR's are thrown out as if it's nothing. 15 CR is almost $2 Million. You have not taken in to account any SSN for age 40 and above if they move from abroad(don't know what is the equivalent in Europe, UK etc.). Imagine if 12 CR has to be accumulated by an Indian working in India by age 40! he has to accumulate 12 CR in 15 Yrs that's almost 80 lakhs of savings a year after tax. Please be reasonable .
If you have other passive income, your corpus would go down. As an example every 50k per month decreases corpus by 2-3 cr. It's up to individual wether to count SS benefits. If someone is retiring at age 40, there are lot of huge expenses (kids universities, etc.,). This is my perspective talking to lot of people and everyone can make their own decision on what they are comfortable with.
@@DesiReturn I understand it's your perspective but you are discouraging lot of people by having very high numbers. It will be helpful if your sample includes cities like Chennai, Hyderabad & Bengaluru instead of just Mumbai and also some Tier 2 cities. Keep up the good work!!
This data is based on my experience living in Hyd and talking to few folks. I want to provide actual information so people can do their own DD and make an informed decision. I am not here to say something that I don’t believe to encourage people to move back to India. The goal is for people to be informed so that they can make rational decision about the move.
I have lived in Europe for the past 12 years. If I assume a monthly expense of 1 lakhs (for my parents and me), given that I have a fully paid off home in India, medical insurance, emergency medical fund of 50 lakhs (for my parents and me) then I can manage with a 3 cr corpus. Wonder if this is enough.
NpS , regular.school is 1.5.. so i say keep 2L per kid.. And 1.5L per month for home expenses.. car and house paid off.. If you can maintain that.. should be ok
Please talk to people are who moving from Europe as kids education is one of the important things which people will consider. How kids can accommodate indian education system especially when they come from other language education like German, swedish...
Bro one advise on ur video. Please build a plain, efficient studio and don't use background filters. Your ear/parts of head is getting cut off and looks really unprofessional.
Good video. I think 5 lakh a month is too much. possibly some people do that. But at that expense of rent one generally thinks of buying rather than renting. 2 lakh is actually the perfect number in 2024-2025. I have also come up with same number with 1 kid and best possible school. You are right that the biggest thing is real estate. I often say that if you are able to buy a house where you think you can live for rest of your life, than the expenses are very manageable. I have a corpus of 16 cr right now. This is conservative and likely post tax. I am 38 right now. At 40 i am hoping to further increase this as i earn 500k a year atleast till my current RSU dry out. If i return to India, i could get a job of between 1 to 2 cr at the same level i am at and within same company.. So i am planning to carry on in US for a while with no number in mind to achieve and then simply return to India, keep working at whatever income till 50. Then I want to start a very small shop where i just go to sit on counter. I am thinking like a franchise of some medical brand like 98.4 etc is easiest. The only problem is executing a real estate deal. it is unimaginable to do this in India with the cheaters there are in the property sector, especially in north india. Actually would you like to make a video on ease and experience of buying real estate in india?
Thanks a lot for the feedback. Yes 5L is very high end (yes EMI could be higher too when they buy a house). Very valid points. Planning to bring some video on real estate in India. Stay tuned.
Please join other desi returnees and be part of community to engage in relevant discussions by filling and following the instructions in the form (link) www.desireturn.com/joinourcommunity
Thank you for the good content! I think 25x will be a sufficient corpus even at 40 years, applying the 4% rule (assumption - investments remain in USD). Applying a little bit of conservatism, I'd notch that corpus up to 30x.
A 50x that you suggested corpus looks overly conservative to me. Could you explain the thinking?
On the topic of inflation, just having ilthe corpus remain in USD is a hedge against higher inflation in India, as INR depreciates 3.5 to 4 percent annually vs USD. Thanks!
Thank you!! Generally 25x assumes you have 4% difference in inflation and returns after taxes from your corpus. India has high inflation and its better to go with 2% difference in returns after taxes and inflation. This is where what ones own perspective/conservatism in preparation comes in. Also at 40 years, there will be lot more expenses with kids, marriages etc., unknown one-time things. At the end it's what one feels comfortable with. My personal opinion, if someone is not working and want to have early retirement life at age 40, better to go with 60x. Again everyone can choose what they are comfortable with.
Absolute bollocks.. You don't need 12-15cr for a 24L/year lifestyle even with 5% inflation rate. with that level of spending, you can retire for under $1 mill USD for under 9cr. I have a few examples as well. My cousion left US after covid market boom with around 8cr INR, inveted half in indian and half still left in US. His monthly expense is around 3L and even with that his portfolio is growing. He is planning to return to work after his son turns 6 next year but doesnt need do. My neighbor did the same thing, he left India with only 5cr.
Amounts like 12-15cr just discourage people from taking the bold decision to retire.
your cousin got lucky with investments. Its not a guarantee. Maybe he invested in a good fund. 12-15 cr is absolutely needed if age expectancy is 90 years and you are stopping to work at 40.
Obviously you can go to mathura and settle there. Mandir will give free khichdi. Or in Haridwar.
@ How about you show me some maths instead of low IQ banter. I have done my maths and for a 24L lifestyle you should do great with 1million USD, unless of course you are a dummy!
@ Jeez, why is math so hard? With a corpus of 8cr, most in stock market, you just need 3.5% (28L) drawdown to sustain the lifestyle. In US, if your long term gain taxes is 0% for $90K (80L) withdrawl. Even if your stock grows by 7-8% per year, you money will grow forever.
aligned with @mrteslax
12-15 cr in todays money will buy you retirement twice!
Again everyone can decide their own number on what they are comfortable with. Few factors to consider. At 40, with out working there are some big expenses (kids universities, health, etc.,). Also net inflated returns after taxes are low and you would go conservative investment once you retire vs working. We are not here to discourage but provide our perspectives and let people make their own decision based on their own comfort.
First honest video that gives real numbers. No bullshit but the real deal compared to other TH-camrs.
Just to add 12-15cr he is talking about is today’s money. If you retire in 10 years, double that
Thank you!!
Video lacks key factors like investment strategy with 3 or 4% rule. Inflation... The numbers are unrealistic for most of the people. School fees and rent mentioned there are extremely higher than reality.
Thank you for such honest video as it gives a clear perspective and helps people plan their move accordingly 😊
This type of content is very much required as India is no longer a less expensive country if you want to live in the metros.
Thanks a lot for the great feedback. Yes India is expensive and want to make sure people understand the reality.
Nice video sir! Been living in Canada for almost 6 years now, planning to return to India 2029-2030 and this video puts things in perspective. Thank you
You are very welcome!! Glad to know that video is helpful and all the best with your decision! Thanks
I usually admire your videos. But I think in this video you have shared unrealistic numbers. All the finance experts mention 25x of annual expenses, or if you want yo be on safer side, 33x. But you are using 50x. How did you get this number?
Plus, you have used extremely broad ranges, which is not helpful as I am left equally uninformed after watching the video. I think you should have done more research on this topic before releasing this video.
I highly recommend releasing part 2 with more thorough analysis:
1) how much people can realistically save in US (12-15 CR is inflated).
2) what is the safe withdrawal rate (4% in US, but in India may be 2.5% or 3% due to high inflation).
3) what are the realistic expenses (you should separate out real estate/house expenses from other monthly expenses because housing coat skews the calculation).
4) what returns you can realistically expect in Indian stock market that will help grow your corpus even if starting with 5 CR.
5) Factor in social security benefits which people can start enjoying at 62.
The current video is misleading and will deter people to move to India (which is not your mission).
For 3rd point check my comment below which may give some idea
Very useful, thank you for sharing!
You are welcome! Glad the video was helpful.
I think the numbers are extremely high. 12-15cr. If you have that kind of money, just putting it in a bank FD would give you enough, to live off it. Even conservatively assuming 5-7% interest
Perfect … the low to high range was most useful, provided clarity
Thanks! Glad it helped.
Man, good topic. Thanks for sharing your view
Thank you!
This video helps a lot ,thank you 😊
You are very welcome! Please share with others who can benefit from the content
Even if you work 10-15 years in USA. It's hard to save even 5CR
Not true. Indians are really good at saving money. Only we need to invest it right
not sure for future - but last 15 years only investing in 401k and house can easily made people
millinaire in $ value.
Surprised to see this message
If people are ready to come out of their comfort zone
If they can put extra efforts lots of opportunities are there in USA not only jobs people should think of doing business,if people having a mindset of doing business why 15years in 3-5 years people can make a million dollars but people should come out of their comfort zone like 9-5 job ,Netflix ,enjoying weekend parties,potluck
@ you are not suppose to do that on H1B🤣
You words looks like a ponzi scheme
@@FinanceEconomics. 😅 that’s where you stop and you are stopping others too😞 talk to a CPA if H1 can do business or not
Thanks for sharing Avinash. I find very useful and helps in planning the same for us when we return.
You are welcome! That’s great to hear the video is very helpful. Please share with others who can benefit from the content. Thanks
This is not real. CR's are thrown out as if it's nothing. 15 CR is almost $2 Million. You have not taken in to account any SSN for age 40 and above if they move from abroad(don't know what is the equivalent in Europe, UK etc.). Imagine if 12 CR has to be accumulated by an Indian working in India by age 40! he has to accumulate 12 CR in 15 Yrs that's almost 80 lakhs of savings a year after tax. Please be reasonable .
If you have other passive income, your corpus would go down. As an example every 50k per month decreases corpus by 2-3 cr. It's up to individual wether to count SS benefits. If someone is retiring at age 40, there are lot of huge expenses (kids universities, etc.,). This is my perspective talking to lot of people and everyone can make their own decision on what they are comfortable with.
@@DesiReturn I understand it's your perspective but you are discouraging lot of people by having very high numbers. It will be helpful if your sample includes cities like Chennai, Hyderabad & Bengaluru instead of just Mumbai and also some Tier 2 cities. Keep up the good work!!
This data is based on my experience living in Hyd and talking to few folks. I want to provide actual information so people can do their own DD and make an informed decision. I am not here to say something that I don’t believe to encourage people to move back to India. The goal is for people to be informed so that they can make rational decision about the move.
If I live in a village, I need only 10k per month.
Thats fantastic. Great for you.
I have lived in Europe for the past 12 years. If I assume a monthly expense of 1 lakhs (for my parents and me), given that I have a fully paid off home in India, medical insurance, emergency medical fund of 50 lakhs (for my parents and me) then I can manage with a 3 cr corpus. Wonder if this is enough.
This is great info, thanks Avinash!
You are welcome! Glad the video was helpful. Please share with others who can benefit from the content
Well explained
Thank you!
Great info. Thank you Avinash
You are welcome! Glad the video was helpful.
@ desi returns can you make a video on how can you return back to US options when you gave an approved i140
Thanks. Will keep it on our list.
Is inflation considered as well? I watched in a hurry, i might have missed...
Does this corpus include your 401k that you will leave in the US?
Yes it does. Includes all your assets, accounts
NpS , regular.school is 1.5.. so i say keep 2L per kid..
And 1.5L per month for home expenses.. car and house paid off..
If you can maintain that.. should be ok
almost but not real when single earns with family, hard to make in crores...
Please talk to people are who moving from Europe as kids education is one of the important things which people will consider. How kids can accommodate indian education system especially when they come from other language education like German, swedish...
Yes.. probably there is less % from Europe to return india..right now the migration is high here
India has higher and superior education system then Sweden! You have so many issues, better stay in EU
Check out few stories of families who moved from Europe to India on how kids managed. Everyone's priorities are different.
Bro one advise on ur video. Please build a plain, efficient studio and don't use background filters. Your ear/parts of head is getting cut off and looks really unprofessional.
Why are you listening his video if you have so many issues!!
@ you sound like low IQ audience!
Your expenses are highly exaggerated. Thanks for sharing anyways
Thanks for watching
Good video. I think 5 lakh a month is too much. possibly some people do that. But at that expense of rent one generally thinks of buying rather than renting.
2 lakh is actually the perfect number in 2024-2025. I have also come up with same number with 1 kid and best possible school.
You are right that the biggest thing is real estate. I often say that if you are able to buy a house where you think you can live for rest of your life, than the expenses are very manageable. I have a corpus of 16 cr right now. This is conservative and likely post tax. I am 38 right now. At 40 i am hoping to further increase this as i earn 500k a year atleast till my current RSU dry out.
If i return to India, i could get a job of between 1 to 2 cr at the same level i am at and within same company.. So i am planning to carry on in US for a while with no number in mind to achieve and then simply return to India, keep working at whatever income till 50. Then I want to start a very small shop where i just go to sit on counter. I am thinking like a franchise of some medical brand like 98.4 etc is easiest.
The only problem is executing a real estate deal. it is unimaginable to do this in India with the cheaters there are in the property sector, especially in north india.
Actually would you like to make a video on ease and experience of buying real estate in india?
Thanks a lot for the feedback. Yes 5L is very high end (yes EMI could be higher too when they buy a house). Very valid points. Planning to bring some video on real estate in India. Stay tuned.