February Month Update

Expenses:

I have spent ₹41,594 in February, the top 5 expenses are travel (₹10,844), Medical (₹6,743), Groceries (₹5,560), Maintenance (₹4,499), and Internet (₹4,435). Travel, when planned in hurry, will cost more. I have to plan my travel carefully.

Portfolio:

Fund Name	Mar 22
Franklin India Ultra Short Bond Fund - Super Institutional Plan - Direct Plan	₹9,291.90
Franklin India Taxshield Fund - Direct Plan	₹0.00
ICICI Prudential Savings Fund - Direct Plan	₹0.00
ICICI Prudential Value Discovery Fund - Direct Plan	₹1,22,494.39
ICICI Prudential Long Term Equity Fund (Tax Saving) - Direct Plan	₹65,686.67
Axis Long Term Equity Fund - Direct Plan	₹47,334.63
Quantum Equity Fund of Funds	₹1,413.66
SBI Small Cap Fund	₹1,415.94
Morningstar-Active Balanced Portfolio	₹57,77,668.00
NPS TIER I	₹1,99,248.73
NPS Tier-II	₹499.98
EPFO balance	₹15,15,911.00
Indian Stocks	₹19,86,904.00
US Stocks @₹73.05	₹2,23,245.71
Cash	₹5,479.00
Manas education fund	-₹399,027.13
Total Value	₹95,57,566.48

Equity did not do well this month and added quite a bit of money. I have moved money from a Savings fund to a value discovery fund without rhyme or reason. I have started transferring 10K each month to the RBL account to use it as an emergency fund. I will add ultra short-term fund redemption money to RBL as well.

Networth has decreased by -₹118,446.40.

For the last 12 months, I had spent 6,76,603 which is 56,383 per month. My net worth is 95,57,566. I have about 169 months of living expenses which is 14 years and a month. My objective is to accumulate 25 times annual expenses from which I can withdraw 4% annually. My passive income will be 31,858 if I withdraw 4% now. If I retire now I have to withdraw 7.07% annually. If inflation is 6% I should make 10% if I have 25 times and to retire today I should make 13.07% of my net worth. My net worth does not include rental income but I still want to achieve 25 times or close to that amount, as long as I am in the job. I will be able to accumulate 25 times in 4 years 2 months which is April 2026.