Jump to content
  • Please note that signing in with a Display Name has been removed. Email addresses must be used instead to login.

Discussions

Discuss about Telugu Movies, Andhra and Telangana Politics

Subforums

  1. NSFW

    Please refrain from posting nude images in this forum.
    This platform is intended for entertainment purposes only, and we kindly ask all members to help maintain the quality and integrity of the discussions. We appreciate your understanding and cooperation.

    51k
    posts

353,330 topics in this forum

  1. New Fee in effect from Oct 2020 : USCIS 1 2 3

    By ShruteSastry,   
    • 30 replies
    • 2.2k views
    • softwareking
    • softwareking

  3. shriya aunty no pant

    By tamu,
    • 13 replies
    • 1.5k views
    • quickgun_murugun
    • quickgun_murugun

  4. I too had a crush 1 2 3 4 13

    By Ellen,
    • 183 replies
    • 10.6k views
    • Ellen
    • Ellen

  5. Kalyani Priyadarshan shopping 1 2

    By tamu,
    • 15 replies
    • 2.2k views
    • summer27
    • summer27

  6. Farmer Nageswara Rao Explained How MRO MD Torcherd Him On Sonu Sood Tractor Gift | Life Andhra Tv

    By afacc123,
    • 0 replies
    • 268 views
    • afacc123
    • afacc123

  7. Bala Tripuramani - Full Video: Ant in the pant steps kosam ravli

    By tamu,
    • 4 replies
    • 566 views
    • vankarodu
    • vankarodu

  8. #HappyBirthdayKiaraAdvani

    By tamu,
    • 0 replies
    • 311 views
    • tamu
    • tamu

  9. Govt officials tortured farmer who got gifted tractor from sonusood

    By toranam,
    • 7 replies
    • 587 views
    • Migilindi22
    • Migilindi22

  10. AP Governor approves 3 Capital and CRDA repeal bills | 1 2

    By bhaigan,
    • 24 replies
    • 1.2k views
    • tom bhayya
    • tom bhayya

  11. Governer approves bill for 3 capitals

    By timmy,
    • 0 replies
    • 218 views
    • timmy
    • timmy

  12. Rowdyism, Land grabbing at all time high in vishakapatnam 1 2

    By Ford_Abbai,
    • 23 replies
    • 2k views
    • Ford_Abbai
    • Ford_Abbai

  13. Covid is a myth 😀 1 2

    By ChinnaBhasha,
    • 16 replies
    • 1.4k views
    • Assam_Bhayya
    • Assam_Bhayya

  14. Akka asking Anna.. ,

    By Ford_Abbai,
    • 1 reply
    • 735 views
    • Aryaa
    • Aryaa

  15. Does this analysis makes sense about ktr? 1 2

    By ChinnaBhasha,
    • 29 replies
    • 1.5k views
    • RedThupaki
    • RedThupaki

  16. Yem comedy ayyindi ra maa Tesla Anna ante

    By Sucker,
    • 1 reply
    • 689 views
    • chintumintu1
    • chintumintu1

  17. Hindi - Telugu 1 2

    By Sucker,
    • 19 replies
    • 1.3k views
    • Mirage
    • Mirage

  18. 3 capitals 1 2

    By Reddevils,
    • 19 replies
    • 1.5k views
    • Sizzler
    • Sizzler

  19. Marala court lo mottikayalu tappavanukunta..?

    By Bodi_lafangi,
    • 0 replies
    • 556 views
    • Bodi_lafangi
    • Bodi_lafangi

  20. బంగారం మరియు వెండి రాఖీలు | GOLD AND SILVER RAKHIS

    By TrendzTollywood,   
    • 0 replies
    • 1.2k views
    • TrendzTollywood
    • TrendzTollywood

  21. Kuricheduu village lo 10 members diedd

    By RedThupaki,   
    • 9 replies
    • 848 views
    • odhu_le_macha
    • odhu_le_macha

  22. What the hell man papam covid suicide

    By kothavani,
    • 0 replies
    • 464 views
    • kothavani
    • kothavani

  23. United Airlines- Ind to US

    By LazyRohit,
    • 5 replies
    • 784 views
    • LazyRohit
    • LazyRohit

  24. mee first crush story veskondi baa.. 1 2 3

    By jaijava,
    • 37 replies
    • 3.2k views
    • LadiesTailor
    • LadiesTailor

  25. 3 Dudes Play A Game Of Hot Potato With A Midget As The Potato!

    By jefferson1,
    • 0 replies
    • 507 views
    • jefferson1
    • jefferson1

  26. బి ఆర్ షెట్టి కథ - UAE లోని ఈ అత్యంత ధనవంతుడు మళ్ళీ పేదవాడిగా ఎలా మారాడు?

    By nag_mama,
    • 3 replies
    • 605 views
    • kothavani
    • kothavani

  • Popular Contributors

    1. 1
      johnydanylee
      johnydanylee
      230
    2. 2
      DaatarBabu2
      DaatarBabu2
      117
    3. 3
      Shameless
      Shameless
      100
    4. 4
      Sucker
      Sucker
      91
    5. 5
      Android_Halwa
      Android_Halwa
      75
    Show More

  • Most Contributions

    1. Methrencet
      Methrencet
      507477
    2. Spartan
      Spartan
      180948
    3. psycopk
      psycopk
      144555
    4. k2s
      k2s
      114209
    5. mustang302
      mustang302
      108516

  • Activity Stream

    1. 0

      Thinking of retirement..! Read this..

      Retiring at 50: India vs USA vs a Mixed Strategy Corpus, Cash Flow, and Healthcare — and How You Actually Get There Early retirement at 50 used to sound reckless. Today, for senior IT professionals, it often sounds inevitable. Age bias in tech, burnout, and diminishing upside after peak earning years force an uncomfortable question: If I have enough, where should I retire so it actually lasts? This newsletter covers: Retiring in the USA Retiring in India A mixed global strategy Retiring permanently in India with Indian citizenship And finally—because this is the missing piece in most articles— how someone realistically builds the corpus to make this work. The Starting Point (Age 50) At retirement, the financial picture looks like this: $1.5M in taxable ETFs $1.0M in a 401(k) One rental property in the US One rental property in India No primary-home debt In India, key obligations are already ring-fenced: Villa: ₹4 crore Emergency fund: ₹1 crore Kids’ education: ₹5 crore Kids’ marriage: ₹1.5 crore These are not funded from retirement withdrawals. That separation is critical. The Withdrawal Strategy From age 50: Withdraw 4% annually from ETFs Expected long-term ETF return: ~12% Net expected growth after withdrawal: ~8% This provides income without destroying capital. Cost Reality Check United States Living expenses: ~$96,000/year Healthcare (pre-Medicare): $20k–30k/year Total: ~$120,000/year India Comfortable lifestyle: ₹60–72 lakh/year Healthcare: ₹3–6 lakh/year Total: ~₹75 lakh/year Same comfort. Very different math. Corpus Required Using a conservative 4% rule: USA → ~$3.0 million India → ~₹19 crore India-only (with margin) → ₹22–25 crore Healthcare is the single biggest driver of this gap. Strategy Comparison (Quick Recap) USA-only: Works, but low margin and high healthcare risk Mixed India–US: Best balance of flexibility and safety India-only: Simplest, lowest risk, highest resilience How Do You Actually Reach These Numbers? This is the part most retirement articles skip. This outcome is not the result of a single big decision—it’s the result of boring, disciplined choices made consistently over 15–20 years. 1. Fully Fund 401(k) and Roth Accounts First This is non-negotiable. Max out 401(k) every year Use employer match fully Fund Roth IRA / Backdoor Roth when eligible Why this matters: Tax deferral + tax-free growth Creates a future income stream you don’t touch early Reduces taxable income during peak earning years By age 50, this alone can realistically reach $1M+. 2. Invest ~25% of Income into ETFs After retirement accounts, the next priority is taxable ETFs. Broad-market ETFs Low cost Automated investing No market timing Why 25%? High enough to matter Sustainable during peak earning years Builds the flexible corpus you’ll actually live on Over 12–15 years, this becomes the $1.5M ETF engine that funds early retirement. 3. Pay Off the Primary Home This is less about returns and more about psychology and risk reduction in case of job loss. Eliminates fixed monthly obligations Reduces sequence-of-returns risk Makes early retirement emotionally feasible A paid-off home turns retirement from “fragile” to stable. 4. Buy One Rental Property in the US The goal is not empire-building. It’s diversification. Hedge against inflation Partial income replacement Asset in USD Even modestly positive cash flow reduces pressure on portfolios during bad market years. 5. Buy One Rental Property in India This serves a different purpose: INR income Future local familiarity Optional retirement housing or downsizing It also reduces dependence on portfolio withdrawals once you relocate. 6. Delay Buying a Villa or Primary Home in India This is a critical rule. Do not buy a villa or primary home in India while living in the US. Why wait? Preferences change after relocation City, locality, and lifestyle clarity improves Avoid emotional or speculative purchases Instead: Move to India Rent for ~2 years Understand daily life costs and healthcare access Then buy intentionally Funding the Villa and Kids’ Education This is where the strategy becomes elegant. The sale of the US primary home funds: India villa Kids’ education corpus Part of emergency reserves This prevents: Overloading investment portfolios Early withdrawals Lifestyle compromise during retirement Your retirement assets stay invested. Your life assets are funded separately. Why This Works This approach succeeds because: Growth assets are protected Lifestyle costs are controlled Healthcare risk is minimized Big expenses are pre-funded Geography is used deliberately Nothing here is exotic. It’s just well-sequenced financial behavior. Final Thought Retiring at 50 isn’t about luck or timing markets. It’s about: Saving aggressively when income is high Avoiding irreversible mistakes Using geography wisely Separating life goals from retirement income The goal isn’t to be rich forever. It’s to be unbreakable.
      Undilaemanchikalam in Discussions
    2. 4

      Hotties of X

      nenu_meeku_telusa in Discussions
    3. 30

      Hyderabad turns 433 years

      Correct tammudu. Osmania hospital, old secreteriat, womens college anni 95-2004 madhyalo vachinavvey. Wiki pedia lo edit chesaru tg vallu
      7691 in Discussions
    4. 36

      Another star born from kapu community after 40+ years

      Thats what people called back to your ancestors
      TeluguJaathiRatham in Discussions
    5. 4

      Hotties of X

      nenu_meeku_telusa in Discussions
×
×
  • Create New...