How Much of Your Money Should an NRI Keep in India?

Should NRIs invest in India or abroad? Use 7 simple questions to decide your own split, and learn two catches to know before you move money. Most NRI wealth sits in one country and one currency, while life and future expenses are somewhere else. In this video, Nikhil, a Chartered Accountant with nearly two decades at EY, PwC and a leading Indian wealth management firm, explains how to think about NRI asset allocation without following a generic rule. You’ll learn: 1. Why a portfolio full of Indian stocks, funds and property may not be diversified 2. How rupee-dollar currency movement can affect your returns 3. The Spend-Currency Rule: match your assets to your future expenses 4. The US estate tax catch for NRIs holding US stocks 5. How FEMA, residential status and Schedule FA can affect you when you move back to India 6. The 7-question check to decide how much stays in India and how much goes global This video is for general education and is not investment, tax or legal advice. Outcomes depend on your citizenship, residence, domicile and the assets you hold. Please consult a qualified professional for your situation. CHAPTERS 0:00 Why one country, one currency is a risk 2:09 How big is the market you're investing in? 3:29 Why your portfolio looks diversified but isn't 4:40 Do US stocks mean only betting on America? 5:50 How currency affects NRI returns 8:02 The Spend-Currency Rule 9:48 Catch 1: US estate tax for NRIs ($60,000) 11:34 Catch 2: FEMA, tax residency and Schedule FA 14:06 Why so much NRI money sits in Indian property 14:47 7 questions to decide your India vs global split 16:24 So, should an NRI invest in India or globally? 17:34 Borderless podcast: share your story 1 on 1 Consultation : https://spf.bio/1:1Consultation. ______________________________________________________________ FinNiki NRI Podcast Guest Application I'm launching a special podcast series for NRIs where we discuss real-life money, tax, investment, estate planning, and relocation challenges faced by people like you. The idea is simple: you share your situation, and we work through possible solutions together in a candid conversation that could help thousands of other NRIs facing similar questions. No preparation needed. Just a genuine discussion and knowledge-sharing session. Would you be interested in being featured on the podcast? Link this link to register - it will take less than a minute - https://forms.gle/MWcarUG7Vw9iogaZ8 ______________________________________________________________ Make your Will: https://www.getyellow.in/legal-will (Use Code: FINNIKI for 20% discount) #NRIFinance #NRIInvesting #FinNiki