USA engineer retire in India
Hi, I’m 40M, with wife and a young kid (pre-school age), working in big tech here in US. We’re planning to retire back to India. Below is what I have. Is it enough for retirement?
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an apartment in Mumbai, no mortgage so will live there rent free
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a house in US, mortgage paid and earns $2000 per month in rent, after subtracting maintenance costs, management fees etc
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$270k in stocks, indexes and cash (planning invest in fixed income)
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$300k in retirement funds
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$70k which I plan to use to get a car and some home improvements for the Mumbai apartment
The plan is to live off the $2000 per month rent with option to withdraw 4% from the $270k in stocks etc.
We both come from Indian middle class background so okay with a simple lifestyle. Did I miss something important in my calculations?
Thanks in advance!
Posted Jun 30, 2025, 3:02 AM UTC