Retirement planning for NRIs means combining NPS, mutual fund SIPs, and NRE/NRO-linked investments while staying FEMA-compliant, so your India-based corpus grows tax-efficiently and can be repatriated when you need it. As per current PFRDA and FEMA rules (2026), NRIs aged 18-70 with an NRE/NRO account can build a retirement portfolio just as resident Indians do,
Direct Answer: Retirement planning for IT employees needs a different approach than a typical salaried career, because income often peaks early, job changes are frequent, and career breaks are common. The fix is to consolidate EPF across employers, use NPS for extra tax savings, and build a dedicated equity SIP portfolio — starting in your
Direct Answer: Legacy planning is the process of organising your will, nominations, insurance, and assets so your family inherits clarity instead of confusion. It goes beyond estate planning’s legal paperwork to also cover how your wealth supports your family’s future — and in India, a missing or outdated plan is what usually causes years of
Direct Answer: “Fiduciary” is a specific legal duty that applies to SEBI Registered Investment Advisers (RIAs) in India. AMFI Registered Mutual Fund Distributors (MFDs) work under a different, equally legitimate regulatory framework — AMFI’s Code of Conduct — built around guided, goal-based mutual fund investing. If you’re in Chennai searching for a “fiduciary financial planner,”
Direct Answer: Your retirement corpus should be based on your future monthly expenses, not your current salary. A common starting formula is the 25X rule: take your expected annual expense at retirement (after adjusting for inflation) and multiply it by 25. For a household spending ₹50,000/month today, retiring in 25 years, this works out to
Direct Answer: Real wealth is built through small, repeatable financial habits practiced consistently over years, not through a single big win. Paying yourself first, tracking spending, starting SIPs early, keeping an emergency fund, raising your savings rate with every increment, diversifying across asset classes, and reviewing your plan annually are the seven habits that compound
Direct Answer: Inflation quietly reduces what your money can buy, even if your bank balance keeps growing. India’s retail inflation rose from around 2.74% in January 2026 to 4.38% in June 2026, per Ministry of Statistics and RBI data. If your savings earn less than the inflation rate, your real, inflation-adjusted wealth is shrinking even
Every year, thousands of Indian investors lose money to entities that had no legal right to accept their deposit in the first place. RBI’s own Sachet portal names exactly six categories of entities permitted to take public deposits — everyone else is, in RBI’s words, “not legally permissible.” Here is what each category can offer,
⚡ Direct Answer — What is SWP in Mutual Funds? A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed monthly amount from your mutual fund while the remaining corpus stays invested and earns market returns. Only the gain component of each withdrawal is taxed — not the principal — making SWP significantly more tax-efficient
Direct Answer: Only about 11.2% of SIP accounts in India stay active beyond five years, industry data shows. Direct (DIY) investors discontinue far more often than advisor-guided investors because they tend to chase recent returns and panic-stop when performance cools, while advisor-guided investors get risk profiling and behavioural coaching that keeps them invested through market
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
