Financial Asset Ratio: The Number Every Investor Should Know | Kapil Jain | Enrichwise

💬 Comment “FAR” – To understand your Financial Asset Ratio (FAR) Number with Enrichwise.

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Why do many ₹1 Cr+ salary earners still struggle to retire early?

Because salary alone does not decide early retirement.

Two factors matter more:

1️⃣ Savings Rate
How much you actually save and invest.

2️⃣ Financial Asset Ratio
Your liquid financial assets ÷ total net worth.

For early retirement, this ratio should ideally be strong.

But many high-income investors have most of their net worth locked in:
1. Second or third properties
2. Commercial real estate
3. Low-yield rental assets
4. Illiquid projects

Result?

High net worth on paper.
Low flexibility in real life.

📌 Early retirement needs:
1. Liquidity
2. Cash flow
3. Financial assets
4. Sustainable withdrawals

If 70–80% of wealth is locked in illiquid assets, early retirement becomes difficult even with a high salary.

The real question is not: “How much do you earn?”

It is:
“How much of your wealth can actually fund your freedom?”

💬 Comment “FAR” – To understand your Financial Asset Ratio (FAR) Number with Enrichwise.

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Enrichwise | Founder – Kapil Jain | AMFI Registered MFD & SIF Distributor | ARN-87145
Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully. This content is for educational purposes only. Past performance may or may not be sustained in the future and is not a guarantee of future returns.

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