Practical perspectives for better financial decisions.
However you think about your money: by who you are, where you are in life, or what you want to achieve. There's a door in here for you.
NRI
Can NRIs in Canada Invest in Indian Mutual Funds? A 2026 Guide
Yes, but only through some fund houses, and never online: every purchase and redemption is a physical form signed in India. Why, what you need, and how Canadian tax treats Indian funds.
7 min readNRI
How to Start a SIP as an NRI: Step by Step (2026)
Everything an NRI needs to invest in Indian mutual funds through a SIP: accounts, KYC, documents, mandates, tax and repatriation, with a worked example.
7 min readNRI
What Happens to Your NRE, NRO and FCNR Accounts When You Return to India
Moving back changes your bank accounts. What becomes of NRE, NRO and FCNR money, what an RFC account is, and what to ask your bank in the first weeks home.
7 min readNRI
Mutual Funds and Demat After Moving Back to India: Changing from NRI to Resident
Your mutual fund folios and demat account still say NRI. What to change, which documents you need, and what US and Canada returnees should check.
6 min readNRI
DTAA, Form 67 and Schedule FA: Foreign Income After You Return to India
Once you are resident, India may tax income from abroad. How tax treaties work, the foreign tax credit form (Form 67, now Form 44), and reporting foreign assets in Schedule FA.
7 min readNRI
Your 401(k), UK Pension or Gulf Gratuity After Moving Back to India
Retirement money built up abroad does not have to come home on day one. What usually happens to a 401(k), a UK pension, Gulf gratuity and Singapore CPF, and how to put lump sums to work in India.
7 min readInsurance
Term Insurance for NRIs: Indian Cover While You Live Abroad
Can NRIs buy term insurance in India? Why many do, how medicals and premiums work from abroad, what to disclose, and what happens when you move back.
6 min readNRI
Portuguese Passport Holders from Goa: What Happens to Your Indian Investments
Taking Portuguese nationality ends Indian citizenship. What that changes for your bank accounts, mutual funds, property and tax in India, and what stays the same.
7 min readInsurance
Health Insurance for Parents: A Practical Guide for Indian Families
How to cover parents in their 50s, 60s and beyond: how much cover, what to check in the policy, waiting periods, co-pay and tax, with a worked example.
8 min readInsurance
Super Top-Up Health Insurance, Explained with Examples
What a super top-up is, how the deductible works, how it differs from a plain top-up, and how to pair it with the health cover you already have.
7 min readInsurance
Term Insurance vs Life Insurance: What's the Difference?
Term insurance is one kind of life insurance. How it differs from savings-style policies, a worked comparison on the same budget, and what to check before you apply.
7 min readInsurance
How Much Term Insurance Do I Need? A Step-by-Step Way to Work It Out
A rule of thumb gives a starting point; a needs-based calculation gives your number. Worked examples for a single-income family, a two-income couple and a young earner.
8 min readAge · 30s
A Goal-Based Investing Checklist for Your 30s
Your 30s are when financial decisions start to compound. A grounded checklist to build a base that lasts.
6 min readGoal-Based Investing
Why a Plan Beats a Product
The most common financial mistake isn't picking the wrong fund. It's starting with products instead of a strategy.
5 min readNRI
Investing in India as an NRI: Where to Begin
Living abroad but planning for India? Start with your goals and residency status before any product decision.
6 min readRetirement · 60s
Turning a Corpus into Retirement Income
Building a retirement corpus is only half the job. The harder question is how to draw from it sustainably.
5 min readFor Women
Financial Independence: A Starting Point for Women
Financial independence is about confidence and control, not a different set of rules. Where to begin, on your own terms.
6 min readInvesting · Under 30
Starting to Invest in Your 20s
Time is the biggest advantage you'll ever have as an investor. How to start simply, without guesswork.
5 min readGoals · 40s
Planning for Your Children's Education
Education costs rise faster than general inflation. Starting early, with a horizon-matched plan, does the hard work for you.
5 min readEntrepreneurs · 50s
For Business Owners: Diversifying Beyond the Business
If most of your wealth sits inside your business, your personal investment roadmap is what makes it resilient.
5 min readNRI · 50s
Retirement Investing for NRIs Returning to India
Planning to retire in India after years abroad? The transition rewards planning well before the move.
6 min readNRI · 30s
Goal-Based Investing for Seafarers: Turning Contracts into Early Retirement
Long contracts, lumpy income and a changing residential status. How seafarers can build a corpus for an early exit from sea life.
6 min readNRI · 40s
Early Retirement for NRIs: Building the Corpus While You're Abroad
Many NRIs work abroad to retire early. The years overseas are the window, here's how to use them well.
5 min readInvesting
What Are GIFT City Funds, and Who Are They For?
India's International Financial Services Centre has opened a new route to global investing. A plain-language introduction.
5 min readLegacy · 50s
Nominations & Succession Is More Than a Will
Nominations, a will and a clear record of what you own each do a different job. Here's why families need all three.
6 min readFor Women
Goal-Based Investing for Homemakers: A Plan of Your Own
Running a home is managing money. Why homemakers deserve savings, protection and a retirement plan in their own name.
5 min readFor Women · 30s
Working Wives and Dual-Income Households: Shared Goals, Your Own Plan
Two incomes make big goals possible, but only if both partners' plans stay visible. How to plan together without losing your own.
5 min readProfessionals · 30s
A Money Plan for Busy Professionals
High income, little time and investing in bursts around tax season. How to build wealth without it depending on spare hours.
5 min readProfessionals · 30s
Goal-Based Investing for Doctors
A late start, a high income and little time to think about money. What doctors should prioritise once the earning years arrive.
6 min readMargao · Dubai · London · Frankfurt · Singapore · Sydney · Auckland · New York
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