01
Wealth creation
- Goal
- Savings abroad compounding in India, deliberately
- Horizon
- Long — typically a decade or more
- Planning consideration
- Diversification across categories, currency exposure, and avoiding duplicated holdings
Where NRI investing gets complicated
Which investments actually fit my NRI status?
Some resident options are restricted for NRIs under FEMA, and a few need a different route entirely. Eligibility comes before selection.
Should my money go through NRE or NRO?
The account decides how the income is taxed and how freely the money can leave India again. It's the least glamorous decision — and one of the most consequential.
What happens to my existing Indian investments?
Old SIPs, resident FDs, PPF, demat holdings and policies from before you moved don't simply carry on. Each needs to be re-designated, continued or wound down deliberately.
How does taxation work across two countries?
Interest, dividends, rent and capital gains can be taxed in India and reported where you live, with NRI-specific TDS in between. DTAA relief helps — when it's planned for.
How much India exposure should I have?
Your Indian assets and your overseas savings are one net worth. Currency, concentration and where you'll eventually spend the money all shape the split.
What happens when I eventually return to India?
Residency changes everything — accounts, taxation, even which investments still make sense. A portfolio should be ready for the move before the flight is booked.
Investment planning starts before the investment.
The strategy is the last step of the process, not the first. Everything before it exists so the allocation decisions are made with full information.
- Your global financial lifeIncome, savings and assets across every country, mapped in one place.
- GoalsEach with an amount, a date and the currency it will be spent in.
- Existing assetsEvery current holding reviewed: keep, restructure or exit.
- Risk + timeWhat the money can bear, given when it's needed.
- Tax + account structureNRE/NRO routing, TDS and DTAA — decided before investing.
- Investment strategyA written, goal-based allocation you can act on.
- Periodic reviewRebalanced as life, markets and rules change.
Most portfolios are built in the reverse order — product first, questions later. Reversing that sequence is most of what "planning" means.
Start with a conversationOne plan, holding every part of your financial life in India
Your plan is an architecture, not a product list: outcomes it must deliver on one side, the investment categories it can draw from on the other.
Wealth creationLong-horizon compounding in India
RetirementA corpus sized to where you'll retire
ChildrenEducation costs on a fixed date
PropertyPurchase, holding and eventual exit
The centre of itYour NRI
Wealth Plangoal-based · tax-aware · reviewed
Wealth Plangoal-based · tax-aware · reviewed
LiquidityAccessible money on both sides
Tax efficiencyTDS, capital gains & DTAA relief
RepatriationMoney that can come back when needed
Risk managementConcentration & currency, understood
Built from the categories that fit you
- Equity
- Mutual funds
- Fixed income
- NRE / NRO / FCNR deposits
- Real estate
- Retirement assets
- Liquidity reserves
Which categories your plan uses — and in what proportion — depends entirely on your goals, residency and risk comfort. There is no standard NRI allocation, and we don't publish pretend percentages.
Different goals need different strategies.
A retirement twenty years away and a university fee due in six can't share one strategy. Each goal in your plan gets its own horizon, risk budget and currency.
02
Retirement
- Goal
- A corpus that funds the life you want after work
- Horizon
- Long accumulation, then decades of drawdown
- Planning consideration
- Where you'll retire — India, abroad or undecided — and the currency you'll actually spend in
03
Children's future
- Goal
- Education or a head start, funded on time
- Horizon
- Fixed — the fee arrives on a known date
- Planning consideration
- Working backwards from the date and likely currency, de-risking as it approaches
04
Returning to India
- Goal
- A portfolio ready for the move home
- Horizon
- Often 2–5 years of preparation
- Planning consideration
- Residency transition, account conversion and the tax treatment of the changeover years — see returning-NRI planning
Wherever you earn, the plan connects it to India
Where it lands in India
- Mutual funds NRI-eligible routes
- Equity designated NRI investing
- Property residential & commercial
- Deposits NRE · NRO · FCNR
- Retirement assets the long-term pool
The same money. Two very different portfolios.
Investments that happened to you
- Scattered investments — a policy from one trip home, an FD from another
- Unclear goals, so no way to know if you're on track
- Tax uncertainty at every redemption, and DTAA relief left unclaimed
- Duplicated exposure across funds that hold the same stocks
- No unified view of India and overseas wealth
A portfolio with a job to do
- Goals mapped — every investment tied to a purpose, amount and date
- Portfolio structured, with overlap and concentration removed
- Tax considered before investing, not discovered after
- Risk understood — currency, market and concentration
- India and overseas connected in one reviewed strategy
Why NRIs need more than an investment product
Products are easy to buy. What's rare is someone who holds the whole India–abroad picture — and answers for it over time.
- NRI-specific planning
- The India–abroad money problem is all we work on. Your situation isn't an edge case here — it's the whole practice.
- India tax perspective
- SaveTaxs also handles NRI tax filing and DTAA work, so taxation sits inside the investment plan — not bolted on later.
- Cross-border thinking
- FEMA permissions, NRE/NRO mechanics, TDS and repatriation paperwork — the detail generic advisors abroad rarely cover.
- Existing portfolio review
- What you already hold is examined first: overlap, eligibility, tax treatment and fit with goals.
- Goal-based strategy
- No template portfolios and no pushed products. The plan starts from your goals, not from what pays commission.
- Long-term relationship
- Scheduled reviews keep the plan alive as visas, jobs, markets and rules change.
SaveTaxsConfidential
NRI Wealth Plan
Prepared for A. Sharma · Dubai, UAE · Reviewed annually
- 01Financial snapshotp. 2
- 02Goals & timelinesp. 4
- 03Current investmentsp. 6
- 04Risk profilep. 9
- 05Asset allocation strategyp. 10
- 06Tax considerations & DTAAp. 13
- 07Action planp. 15
- 08Review schedulep. 17
savetaxs.comReview scheduled
What you actually receive
Not a sales pitch and not a stack of application forms — a written plan you can read, question, act on and hold us to.
- Your written NRI Wealth Plan — snapshot, goals, current investments, risk profile, allocation strategy, tax considerations, action plan and review schedule, in plain English.
- A portfolio verdict — for every existing holding: keep, restructure or exit, with the reason.
- An account map — which investment flows through NRE, NRO or FCNR, and why it matters for tax and repatriation.
- A working relationship — implementation support and scheduled reviews, so the plan stays current.
Wherever you built your life, your India investments still need a plan.
NRI building wealth
Earning abroad, ready to invest in India with structure instead of guesswork.
NRI planning retirement
The corpus needs a number, a home and a currency — before the last working year.
NRI with existing India investments
Funds, FDs, property and old policies that have never been reviewed together.
NRI preparing to return
A move home in the next few years that the portfolio should be ready for.
From first call to a working plan
Everything happens remotely, over video calls and secure document sharing. You'll always know which step you're on and what comes next.
- ConsultationA conversation about your situation and what you want money to do.
- Financial assessmentIncome, accounts, assets and liabilities across countries.
- Goal mappingAmounts, timelines and currencies for each goal.
- StrategyYour written, goal-based investment plan.
- ImplementationSupport executing it correctly — accounts, paperwork, sequencing.
- ReviewScheduled check-ins to rebalance and adapt.
Insights to Help NRIs Invest, Plan & Stay Tax Compliant
Expert insights on NRI investments, tax planning, financial planning, and managing your finances between India and abroad.
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NRI investment questions, answered clearly.
Still unsure after reading? Ask us directly — the first conversation costs nothing but time.
Ask your questionNRI investment taxation depends on the type of investment and income generated. Interest, dividends, capital gains and other investment income can have different tax and TDS treatment. Your country of tax residence and an applicable Double Taxation Avoidance Agreement (DTAA) may also affect the overall tax position.
The choice between NRE and NRO accounts depends on the source of funds, the type of investment, income received in India and repatriation requirements. NRE accounts are generally used for eligible foreign-sourced funds, while NRO accounts are commonly used to manage Indian-source income. The appropriate account structure should be evaluated as part of an overall NRI investment plan.
Yes, NRIs can invest in eligible Indian stocks and securities through permitted investment routes and subject to applicable FEMA, RBI and securities-market regulations. The account structure, investment limits, taxation and repatriation treatment should be reviewed before making investments.
Yes, NRIs can invest in eligible Indian mutual funds, subject to applicable regulations, KYC requirements and the policies of individual fund houses. Before investing, NRIs should consider the fund's investment objective, risk level, taxation, TDS implications, country of residence and any restrictions applicable to investors from specific jurisdictions.
Suitable investments for NRIs vary based on their goals, age, income, risk tolerance, existing assets and expected country of residence. An NRI investment portfolio may include mutual funds, equities, fixed-income investments, deposits, real estate and retirement-oriented investments. The appropriate allocation should be determined after reviewing the NRI's complete financial and tax position.
NRIs can invest in eligible Indian investments subject to applicable FEMA regulations, RBI requirements, KYC rules and investment-specific conditions. Depending on the investment, an NRI may use an NRE, NRO or FCNR account and may need appropriate banking, demat or investment arrangements.
The right investment options for NRIs depend on their financial goals, risk tolerance, investment horizon and tax situation. Depending on eligibility, NRIs may consider mutual funds, stocks and securities, bank deposits, bonds, real estate and other permitted investments. An NRI investment plan should evaluate each option based on its potential returns, liquidity, risk, taxation and repatriation considerations.
NRI investment planning is the process of structuring your investments in India and abroad around your financial goals, risk profile, investment horizon, tax position and future plans. A comprehensive NRI investment plan may consider mutual funds, stocks, fixed-income investments, NRE/NRO accounts, real estate, retirement planning, taxation and repatriation requirements.
NRIs may be able to claim benefits under an applicable Double Taxation Avoidance Agreement (DTAA), depending on their tax residency, the type of income and the provisions of the relevant tax treaty. Depending on the situation, documents such as a Tax Residency Certificate and Form 10F may be required to claim treaty benefits.
NRI retirement planning should consider your expected retirement age, desired retirement lifestyle, future country of residence, estimated expenses, investment horizon and the currency in which retirement expenses will be incurred. An NRI investment plan can then be structured around the required retirement corpus, asset allocation, liquidity needs, taxation and risk.