When can I realistically aim for coast fire

[Usha]

Target coast fire amount - 3cr

Current portfolio:
- Indian equity: 50L
- Multi assets: 7.7L
- FD: 10.5L
- Arbitrage: 5.2L
- PF: 12L
- US equity: 1.3L
- RSUs: 2.5L
- Savings account: 3.8L
- Endowment: 3L (I have put 6L till now, but will get 3L if AI forfeit)
- Esops (companies to go public in next 2 years): 15L (I see no further upside on them)

Total current portfolio size without esops: 96L

I am 26 now.

Salary split looks something like this:
- In hand: 3L
- PF: 50k
- RSUs vesting every month: 40k

SIPs (out of total in hand):
- 1.6L monthly in Indian mid-cap and small-cap
- 45k in US index

I can probably start putting in around 15-20k more every month.

Software engineering is not for me, and it's been a while since I realised that. I just want to reach the 3cr number as soon as possible. When can I realistically target to?

[Jagdish]

1) Since you are a software engineer, before you retire try your luck at building a SaaS or AI agent and sell it on MicroAcquire. I know it's tough, the chance of success is less than 1%, but give it a shot.

2) Your investments are mostly in index funds. You should pick a few good stocks. For example, Indian stocks like BSE, Cochin Shipyard have given 10x+ returns. Find similar picks and you could hit 3cr. In the US, look at stocks like DOCN, AMD, etc.

3) Spend more time on r/acquiresaas and consider buying any promising SaaS.

[Monica]

Around 5-6 years more, if you keep putting roughly ₹2.2 lakhs each month into SIPs.