Over time, his portfolio expanded to include a rental property in India bought at peak prices, global ETFs (exchange-traded funds) acquired during a bull run, and high-risk debt instruments.
His Indian portfolio was equally scattered, featuring 25-30 mutual fund schemes and random stocks chosen based on tips from friends and online forums. Despite his proactive approach, Rohan's investments lacked direction.
His story highlights a common challenge faced by NRIs: balancing investments between India and global markets effectively. Rohan's strategy was reactive rather than goal-oriented. He was overexposed to high-risk assets, underinsured, and lacked contingency planning. More importantly, investments didn't align with his aspirations, such as funding his children's education abroad, creating a retirement corpus, or establishing an emergency fund.
Rohan's experience reflects a broader trend among NRIs. So, how can NRIs strike the right balance between Indian and global investments while addressing currency risks, taxation, and long-term financial goals?
Decision framework
To create a cohesive and effective investment strategy, NRIs should classify their goals into three categories:
Bu hikaye Mint Kolkata dergisinin January 03, 2025 sayısından alınmıştır.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 9,000+ magazines and newspapers.
Already a subscriber ? Giriş Yap
Bu hikaye Mint Kolkata dergisinin January 03, 2025 sayısından alınmıştır.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 9,000+ magazines and newspapers.
Already a subscriber? Giriş Yap
IMF Keeps India's GDP Growth Outlook at 6.5%
Global growth is expected to remain stable, albeit lacklustre in 2025: IMF
What happened to India's fast bowlers?
In October last year, when New Zealand came visiting for a Test series in India, captain Rohit Sharma spoke about the necessity to create a strong pool of fast bowlers.
Following the trail of Darjeeling Sherpas
Over the course of 12 years, Nandini Purandare and Deepa Balsavar have documented the struggles and challenges of Sherpas
Anand Group eyes growth as EV shift drives demand
Anand Group's sunroof business has emerged as a standout performer, with capacities already at full utilization
The heartiness of white beans
Bean varieties are staggering, and their nomenclature can be confusing. For example, white beans are also called navy beans—a term not related to the color navy but because the US Navy served these beans to their sailors since the mid-1800s.
Coping in a world of work
A fortnightly column about emotional well-being Workplace resilience is more about the culture created within an organisation than about individual employees
Sebi rejects KOEL's bid over DFS disclosure
The Securities and Exchange Board of India (Sebi) has opposed an appeal filed by Kirloskar Oil Engines Ltd (KOEL) in the Securities Appellate Tribunal (SAT) challenging the regulator's advisory to the company to disclose the Deed of Family Settlement (DFS).
Tech Mahindra, Wipro Q3 revenue shrinks; margins up
HCL Technologies Ltd. Infosys reported a revenue of $4.94 billion, up 0.92% sequentially; whereas HCLTech's revenue rose 2.55% to $3.53 billion.
Where Are Indians Headed In 2025?
Community, immersive experiences and personal growth—Indian travellers are attempting to ditch the herd mentality and travel to expand their horizons, and connect with themselves
How the Wheels of Oppression Keep Turning
Kavery Nambisan's new novel, telling a story of religion, caste and gender, shows her at the top of her game
