Currently 31 with 6.5 YOE and single . Should have NW of 250k by end of this year. (No significant assets in India). Considering this money all reminds invested I should have a decent nest egg for retirement. Have an LIC policy that will be worth arnd 50 lakhs when I surrender it (plan down payment for an apartment). Struggling to convince parents this should be enough for me to move back. They think I should move back when I have more financial security. What more should I plan for ?

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I think this is enough to get started there.. your house and major expenses will be taken care of. Focus more on getting a good job in India as that will determine the rest of your career trajectory.

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Btw.. if your NW/ investments are in 401k or IRAs, then avoid taking those out (if possible). You can leave it here and let it grow. Don’t pay unnecessary penalties or taxes. Let’s say you are able to leave 200k invested here, you are looking at 3-4 Million at 65-70 age.
50k can get you easily started in India. Just started, not more :-)

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Salaries in India have gotten better and I think your savings and skills should easily help you live a comfortable life in India.
I think you are in a good position!

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It should be enough to get started with the assumption you will land a job there with 15-20+ Lacs. Also consider where this apartment will be? In major metros 3 Bed apartments are north of 1.5 Cr. Do factor in 40-50K EMI for the loan. Of course your salary will increase down the lane. Good luck!

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If you are good with investments, I won’t worry about buying the house until I am sure of where to settle down. Having said that, you are still looking at 40-50k rent depending on the city and other requirements. On average, 1 cr place will cost you 40-50k to rent. So, you might get a luxurious place in lcol place or just a small place in Mumbai suburbs for same amount. You get the idea. Save the money and invest somewhere better. I think interest rates are way higher in India. Your EMI will be more than 40-50k for 1.5 cr place.

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I can't tell you about India but I'll say kiddos man! many people our age are unable to get even half that!

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You would still be working. Correct? If so, you should be fine. If planning to move back, better to do it sooner as it continues to become more difficult. My 2 cents.

Yes that’s my objective. Will be very difficult to adjust to a new work culture if I stay here any longer.

Whats ur role at Ey i have similar exp in Deloitte with base 130

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