45Y, 20 Cr INR NW, Need Advice
45 Y, happily married w/kids, no open loans, zero MF/SIP footprint, worked in software companies mostly in India, no ancestral windfalls.
Current net worth is > 20 Cr INR
Almost everything self made since being employed. Not a stock market dare devil as I like to sleep peacefully
Breakup
60% - Residential Real Estate
10% - Company stocks ready to sell
10% - Policies Sum Assured, Accrued Bonuses
10% - Precious metals physically held
6% - EPF
4% - Liquid funds
Starting to feel I have too much in real estate. The properties are in top areas and selling would be a breeze any day.
What can I do to create more passive income beyond rental income with this portfolio?
Have I done well for my NW or have I messed it up?
Posted Apr 8, 2026, 1:13 PM UTC
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