Investment Advisory

INVESTMENT ADVISORY

Let your hard earned money grow. Let our experts partner help you to achieve all your financial goals.

Why Should NRIs Invest In India?

• The Value Of Currency

Even though the Indian economy has been booming over the past few decades, the power of currencies such as the USD, Pound sterling, and the Euro has steadily increased when compared to the rupee.

Regardless of the interest rates, the value of your USD, Pound sterling, or Euro investments is likely to grow. This would mean that you will be able to earn better returns.

Diversification

Apart from the obvious geographical diversification, you can diversify your portfolio with investments such as equity funds, debt funds, liquid funds, stocks, and more across sectors & industries.

• Better Interest Rates

Indian banks provide better interest rates than the US, UAE, Australia, Japan, China, Saudi Arabia, and many other countries! Sounds surprising, right? But most NRIs aren’t aware of this fact and end up letting their money stagnate.

• Retirement

Setting up a retirement plan either by investing in mutual funds & stocks or by buying real estate is easier & cheaper in India as compared to countries.

What is Investment?

Investment is to allocate money with the expectation of a positive benefit/return in the future. In other words, to invest means owning an asset or an item with the goal of generating income from the investment or the appreciation of your investment which is an increase in the value of the asset over a period of time.

Types of investments available with NRIs?

Mutual Funds

NRI can invest in mutual funds if it matches your investment objectives and risk profile. Mutual funds are capable of offering much higher tax-efficient returns than bank FDs. There are various mutual fund houses offering a plethora of mutual fund schemes. However, some AMCs have restrictions on NRI investments from the USA and Canada.

NRIs can invest in mutual funds only through their NRO or NRE Accounts. You need to invest in Indian Rupees (INR) and not in foreign currency. The rate of return you get from mutual funds depends on the type of fund (debt, equity, and hybrid) and your investment horizon. You may invest in ELSS a tax-saving mutual fund that qualifies for the Section 80C tax benefit if you have income in India.

Invest in mutual funds through the Systematic Investment Plan or SIP. It is a method of investing a fixed amount of money regularly in a mutual fund scheme. Mutual funds are a great investment as they can offer inflation-beating return over the long run.

Government Securities (G-Sec):- The government securities are the securities issued by the central and state government to fund various projects, or the fiscal deficit. NRI investment is permitted in dated government securities.

Government dated securities are long term instruments issued by the government for mobilizing funds. These securities carry either a fixed or floating rate of interest (known as coupon rate) which is paid on the face value at regular intervals. The tenure for these instruments generally ranges between 5 years to 40 years.

Direct Equity:- You can consider investing in equity if you are an aggressive investor, and are ready to take some risk in the stock market. NRIs can invest in the Indian stock market directly under the Portfolio Investment Scheme (PINS) of RBI. NRIs are mandated to have an NRE/NRO bank account, a Demat account, and a trading account to invest in the Indian stock market.

Fixed Deposits:- (FDs) are not only popular among the resident Indians, but also among the non-resident Indians (NRIs). Bank FDs are considered the safest investment option as there are hardly any instances of banks defaulting on them. NRIs can start FD through their FCNR, NRO, or NRE accounts. The rate of interest depends on the bank, amount, and the tenure of the deposit.

Fixed deposits in the NRE account:

You may consider opening an NRE account in Indian Rupees. The interest you earn is tax-free, but you may be taxed in your country of residence. The interest rate ranges from 5%-7% depending on the tenure of the deposit.

Fixed deposits in the NRO account:

You may use the NRO account to control your Indian income. For instance, you may receive rental income or dividends from shares and mutual funds that can be paid into the NRO account. You can remit a maximum amount of $1 million from your NRO account after producing the relevant documents.

Fixed deposits in FCNR account:

You can open the FCNR (Foreign-Currency Non-Resident Account) in any foreign currency. It may have a tenure of one to five years. The interest you earn is tax-exempt. Moreover, foreign exchange fluctuations have no impact on the deposits in the FCNR account.

Real Estate :-

Real estate in India is booming. The real estate prices in major Indian cities such as Mumbai, Pune, Nashik, Nagpur, Indore, Ahmedabad, Bengaluru, Delhi, Gurugram, Noida, Chandigarh, Mohali and many others have skyrocketed over the past decade. Many NRIs are purchasing houses in India to let out on rent. There are a plethora of options to choose from such as developed plots, villas and apartments among others.

You need to analyse your requirements and risk profile before deciding to invest in Indian real estate. Investing in real estate in India is a good option as the country is expected to see massive development over the next decade. However, NRIs cannot invest in agricultural land and plantations in India.

What is the role of an investment advisor?

An investment advisor will help you decide what to do with your money. They are professionals with a fundamental understanding of money management, which they use to construct personalised financial plan that is targeted to achieve your financial goals.result.

When it comes to investment advisory, it also includes wealth management, budgeting, savings, and more – it is a more holistic solution. Investment advisors regularly check on their clients and evaluate the plan as needed.

How we Help NRIs to plan their Investment Portfolio :-

If you’re an NRI planning to return to India after your retirement. We can help you make a Investment portfolio.

When an person invest any amount of money in any asset. The two major aspect is to decide is the Risk & the Returns. We being provide advice to our clients as per their requirement, there risk appetite & as per their expectation on returns. We help them to grow there hard earn money in such a way that investment should provide the minimum risk with maximum returns. We review the portfolio in regular intervals and suggest the client to shift there invest as per the market situation.

Support and Education

Our team of experts is available 24/7 to aid in all your financial and tax matters. Participate in regular seminars held by our experts in your city.