"Dreams are not what you see in sleep, it is the thing that doesnt let you sleep" - Shri. Abdul Kalam

---

Non Resident Indian (NRI) Services

NRI's are divided by the countries where they live and work, but much united because they are all Indians (or) their ancestors were Indian by origin. NRI's could fall into NRI, OCI and PIO categories, but referred here as NRIs.
 
NRI's have a different profile when it comes to money matters i.e., 
- Earnings in Foreign Currency
- Earning both taxable and tax free income, depending on tax jurisdication
- Maintain multiple bank accounts such as:

• Foreign Currency (Local - SGD, AED, BD, OMR,  GBP etc)
• Foreign Currency (USD/EUR etc)
• NRE (INR - Repatriable)
• NRO (INR - Non-repatriable)

- Might decide to permanently settle overseas (or) return back to India after active working years
- Spending  in Foreign, Local and Indian currency depending on situations like work, vacation, home country visit etc

NRI's however face major challenges relating to money management and earning gainful return on investments due to the following reasons

• Very low rates of interest in countrie they reside, hence poor returns
• Scenarios of Double Taxation, when income is from multiple countries
• Complex and Stricter compliances to open, operate, manage and transition multi-currency investment accounts
• "Currency risk" investing and repatriating in multiple currencies
• Limited investible product choices in the country of residence 
• Time zone difference between their country of residence and markets where they wish to invest their money for better returns
• Provider's lack of understanding of NRI family specific needs and personalized service vital for financial peace of mind
• Lastly, uncertain job situation due to political and economic factors

Often, due to their tight professional work schedules, NRIs do not find the time nor have the luxury to build extensive knowledge and understanding of the plethora of financial products in the marketplace and select what is most suitable for their family's financial future.

Often NRI's are much sought after by agents, brokers and salesmen who aggressively sell them high risk, sub-optimal, unsuitable and one-size fits all products and schemes that deliver poor returns, do not fit investor's risk profile, turn out quite damaging to exit or liquidate midway and tax inefficient too. 

Dhanayoga has been advising Non-Resident Indian (NRI) investors from multiple jurisdictions namely UAE, Oman, Bahrain, Saudi Arabia, Qatar, Spain, Germany, USA and UK with comprehensive financial planning, investment and insurance planning, tax planning, debt counselling, account execution and management services of outstanding quality and value in an independent and thoroughly professional manner.  Our approach is outlined below 

Dhanayoga's Approach

How we differ?

Traditional Agent / Broker centered Model	DHANAYOGA Advisory centered Model
Agent / Broker / Salesman pushing proprietary products	Advisor, providing unbiased guidance
Compensated largely on opaque commissions	Compensated predominantly on transparent fees
Narrow range of often overpriced, low-quality in-house investment products	Wide variety of competitively-priced, high-quality third-party investment products across multi-asset classes
Single entrenched vendor often equals higher prices, poor service	Multiple competing vendors often equals lower prices, great personalized service
Often beholden to corporate agenda	Independent-minded, client-centered
Cutthroat aggressive and pushy sales culture	Collaborative advisor culture
Shrinking	Growing

CONTACT