Building wealth in India, from eight thousand miles away.
You earn abroad and you’ve done well. But managing money across two countries — two tax systems, a moving rupee, and a phone that never stops ringing with ‘NRI-special’ offers — quietly turns success into stress.
The day your status changed to NRI, the calls began — the guaranteed plan, the dollar policy, the cousin’s tip. Distance, trust and a little guilt make an NRI the most efficiently targeted investor in the country. Meanwhile two tax systems watch the same money, and a sound decision in one can quietly backfire in the other.
None of it is a failure of care. It’s the absence of a plan that treats your two financial worlds as one connected picture.
The struggles I hear most from NRIs
- Two tax systems that don’t speak to each other — and the fear of tripping a wire you never knew was there.
- Being sold to harder than anyone: ‘NRI-special’, ‘guaranteed’, ‘tax-free’ — from far away, hard to verify.
- A strong dollar that tempts big, rushed decisions made from another time zone.
- Repatriation, residency status, and coordinating advisors on two continents.
We build one plan that respects both tax systems (alongside your cross-border CA/CPA), strips out the high-commission products sold on your sentiment, and turns a favourable exchange rate into a disciplined method rather than a hurried bet. Clean, transparent, and built around why your money is actually moving.
The essays below are written for Indians building wealth from abroad.
If two countries are watching the same money, your plan should be built for both. One honest conversation, no products, no pressure.
Or reach me directly — +91 98258 00245 · info@hardikjoshicfp.in
Hardik Joshi, Certified Financial Planner® (CFP®)
Two decades planning — not selling — for Gujarat’s families, professionals and founders.
Hardik Joshi is the Founder of Shrey Wealth (ARN‑255332). Shrey Wealth is an AMFI‑registered Mutual Fund Distributor. Visit www.shreywealth.in for more details.
Views shared here are personal and for educational and awareness purposes only.