Retirement Planning
Whether you retire in Kerala, Kansas or Kent, your income needs to keep working across currencies, tax systems and inflation rates that don't move together.
Most retirement advice assumes you'll draw a pension and spend it in the same country you earned it in. NRIs rarely have that luxury — a 401(k), UK pension or UAE gratuity has to coexist with EPF, PPF and NPS balances back in India, each with its own withdrawal rules, tax treatment and currency risk.
We build a single retirement plan that treats all of these as one portfolio, sequenced so you draw from the right account, in the right country, at the right time — whether you plan to stay abroad permanently or return to India.
Book a single session at the NRI Money Clinic instead of a full engagement — ideal if you have one specific decision to make.
Explore the Money Clinic →Common Questions
Yes — NRIs can continue to contribute to NPS through NRE or NRO accounts, though withdrawal and tax rules differ slightly from resident investors. We'll confirm current eligibility for your specific situation.
You can withdraw or keep it invested; the right choice depends on your residency timeline and applicable tax treaty. We model both paths before you decide.
Usually not directly — most foreign pensions can't be transferred into Indian schemes. Instead, we plan how the two income streams complement each other.
Often, yes. Which country gets first right to tax a given pension depends on the specific treaty between India and your country of residence — this is core to what we review with you.
Related
FEMA-compliant portfolios across equity, funds and property, diversified by goal and by geography.
Learn more →Life and health cover that recognises your NRI status instead of working against it.
Learn more →Residential status, DTAA relief and clean filing across every country you owe tax in.
Learn more →Wills, nominations and Power of Attorney that stand up in more than one legal system.
Learn more →