Rising bond yields are moving money across the world. Here is what it means for your investments in India.
Indian equities have had a difficult September. The fall has been driven mostly by events outside India: bond yields in the US…
Plan for a location to become home
Four things that
matter most
Your tax position can change before your wealth does.
Before you relocate, we help identify the key tax and residency questions and coordinate with the appropriate tax professionals where specialist advice is required.
Tax & Residency
Relocation creates a period in which expenses, income and assets can sit across currencies. We help you think through to ensure that a currency movement does not become an unexpected financial problem
Currency, cash & liquidity
Moving abroad does not automatically mean moving everything you own. An international relocation is an opportunity to review the structure of your wealth.
We make sure your wealth structure makes sense for the life you are actually going to live.
Investment & asset structure
Relocation changes the family balance sheet as well as the family address.
A move may affect education, healthcare, insurance, retirement, family support and eventually succession.
Family, protection & long-term wealth
The objective is to understand the consequences before the move, rather than discovering them after it.
Financial Advisory for International Relocation
We help you prepare for those changes before you move, manage the transition and keep your financial affairs aligned as your life evolves across countries.
The financial plan should evolve as your new life takes shape.
End to End Financial Plan
Moving countries changes more than your address.
Before you move :
Pre-relocation planning
The most valuable relocation decisions are often made before the move. Before your residency or circumstances change, we look at your existing financial position alongside the country you are moving to.The aim is to identify decisions that are better made before the move rather than after it.
After you move :
Post-relocation planning
The move itself is only the beginning. Once you become established in the new country, your financial plan needs to be adapted to your new circumstances.The focus is on making sure the financial decisions made before the move continue to make sense afterwards.
Beyond you move:
Long-term financial planning
Relocation is not a one-time financial event. Your financial plan needs to keep pace.
We periodically review your wealth, cash flows, investments, tax considerations and family circumstances so that your financial structure continues to reflect the life you are actually living.
We therefore treat relocation as part of a continuing financial plan.
Before Departure
Our role is to keep the pieces connected.
A relocation plan should
have a memory
A new bank account here.
A tax filing somewhere else.
A new investment there.
An insurance policy in another country.
Relocation is an important life decision. Your financial plan should be ready for it.
Whether you are leaving a country, moving to India, becoming an NRI, returning to India, or establishing a life across more than one country, we help you understand what changes, what needs attention and what should remain part of your long-term plan.
Still Got Questions? We are here to help.
- When should I start
Ideally, before the move.
The earlier the conversation begins, the more financial decisions can be considered before residency, tax and regulatory circumstances change. But planning is not limited to people who have not yet moved.
We also work with families who have already relocated and now need to bring their India and international financial affairs into one coherent framework.
- I am moving abroad but want to keep my investments in India. Should I sell them before I leave?
Not necessarily. Whether an investment should be retained, restructured or sold depends on your objectives, tax position, liquidity needs and the rules applicable in both countries. We help you review the implications before making those decisions.
- How will moving countries affect my taxes?
A change in residence can affect how your income, investments and capital gains are treated. We help identify the relevant tax and residency considerations and coordinate with appropriate tax professionals where specialist advice is required.
- How should I manage my money during the transition between countries?
Relocation can create expenses and financial commitments in two currencies and two countries. We help you plan liquidity, cash requirements, transfers, currency exposure and the timing of major financial transactions through the transition.
- I have already moved abroad. Is it too late to review my financial plan?
No. Once you are settled, we can review your Indian investments and accounts, new financial arrangements, tax position, insurance, estate planning and longer-term wealth strategy across jurisdictions.
Additional resources for your financial journey
We offer a robust collection of educational materials like webinars, video tutorials and other resources, to help you make informed decisions.
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