Investing across borders, optimised for your tax residency.
DTAA-aware planning, GIFT City structures, multi-currency portfolios, and a clear answer to the question every NRI eventually asks: where should the next rupee/dollar go?
NRI financial planning sits at the intersection of three things most advisors don't fully understand: Indian tax and product regulations (FEMA, RBI, SEBI), your resident-country tax (US PFIC rules, UK ISA limits, UAE corporate tax changes), and the practical operational realities of NRO/NRE/FCNR accounts.
We help NRIs in the US, UK, UAE, Singapore, and beyond build coherent portfolios across India and abroad — and stay compliant on both sides.
Designed around your reality
- Where to invest: India equity via NRE mutual funds, GIFT City vehicles, direct equity, vs your resident-country options (401k/IRA, ISA, CPF SA, etc.)
- US-specific: PFIC implications of Indian mutual funds, the case for direct stocks instead, Roth backdoor, 8938 and FBAR compliance reminders
- UK-specific: ISA / SIPP vs Indian SIP, remittance basis vs arising basis, Tax Year overlap on India income
- UAE-specific: leveraging the 9% corporate tax setup, golden visa property routes, when GIFT City wins
- DTAA usage: avoiding double tax on dividends, interest, and capital gains across India-US, India-UK, India-UAE, India-Singapore
- Return-to-India scenario planning: timing of remittance, RNOR status optimisation, ESOP repatriation strategy
Situations we see all the time
“I'm in the US and have Indian mutual funds — am I in trouble?”
Indian MFs are PFICs for US tax purposes, and the punitive tax regime can wipe out gains. We help you understand whether to use QEF election, mark-to-market, or transition to direct Indian equity / India-domiciled US-compliant funds. This is the single biggest mistake we see in US-resident NRIs.
“I'm in Dubai, salary is tax-free, and I have idle cash”
UAE residents have unique opportunities: GIFT City NRI investment vehicles (capital gains exempt for non-residents), Indian equity via NRE route, and post-2023 UAE corporate tax considerations if you have business income. We model whether to invest in India, hold in USD/AED, or split — based on your return-to-India horizon.
“I'm planning to return to India in 3 years”
The 3 years before return are the most valuable from a tax-planning perspective — particularly the RNOR window post-return (up to 3 years of preferential treatment on foreign income). We map your remittance timing, asset relocation, ESOP exercise/sale strategy, and the order of unwinding accounts.
“My parents in India need a financial plan too”
Many NRIs end up managing their parents' finances — pension management, senior citizen FD optimisation, medical insurance gaps, succession planning. We can build coordinated plans across the NRI investor and their India-resident parents in a single household view.
Get a cross-border snapshot
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