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Investment & Financial Planning

What Does Goal-Based Investing Mean for NRIs?

Sanskriti SaxenaBy Sanskriti Saxena |Last Updated: December 17, 2025
What Does Goal-Based Investing Mean for NRIs?
    2. Investment & Financial Planning
    3. What Does Goal-Based Investing Mean for NRIs?
    4. Reading Time: 7 mins
    Categories
    • NRI Income Tax & Compliance
    • PAN Card
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    • NRI Returning to India
    • Investment & Financial Planning
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    Frequently Asked Questions

    No matter what your source of income is, we've got you covered. There’s a plan for everybody!

    Goal-based investing means investing in something with specific financial goals in mind rather than randomly investing to chase high returns, such as investing for a child's education, buying a home, or saving for retirement.

    Traditional investing focuses on beating market benchmarks, while goal-based investing focuses on whether you can actually fund each goal on time with an appropriate asset mix and risk level.

    NRIs navigate multiple currencies, countries, and tax rules, so goal-based investing helps them in clearly separating goals linked with India (property, parents, retirement in India) and aligning them with the FEMA-compliant NRE/NRO investments.

    Typical NRI goals include the following:

    • Emergency fund in India
    • Buying/repaying a house in India
    • Planning a retirement in India
    • Creating a legacy corpus for the family. 
    • Children's education in India or abroad. 

    Estimate the future cost using inflation (e.g., 6-7% for education), then use SIP/STP calculations with expected returns (equity, debt) to find the required monthly investment for each goal.

    Consider the following to understand better:

    • Short-term (1-3 years): NRE/NRO FDs and liquid or ultra-short debt funds. 
    • Medium-term (3-7 years): hybrid or balanced advantage funds. 
    • Long-term (7+ years): equity mutual funds via SIP/STP. 

    Yes, mutual funds are widely used for goal-based investing, with separate SIPs or portfolios connected to each goal, using equity for long-term growth and debt for stability.

    Many Indian AMCs restrict investments from US/Canada NRIs due to FATCA, so they must choose fund houses and platforms that explicitly permit NRI investments from those countries.

    Capital gains on mutual funds and interest earned from NRO FDs are taxable in India with TDS, while NRE FD interest is exempt in India: NRIs often claim relief or credit under the DTAA through their Indian tax returns.

    An annual review is usually enough to evaluate progress, adjust SIP amounts, rebalance between equity and debt, and show any changes in residency status or income.