Comprehensive wealth, tax and regulatory solutions for global Indians.
Whether you are building a retirement corpus from the Gulf, navigating compliance from the US, or planning a permanent return to India: one dedicated relationship manager holds the complete picture. No briefing the same history twice.
Compliance first
"Before we talk returns, tell me how taxation, compliance, and currency are being handled."
Single point of contact
"I cannot brief 10 different people. I need one team who knows my full picture."
Time zone friction
"India office hours never line up with my workday. I need someone who works to my schedule."
End-to-end service
"Can you handle the PF, the property, and the portfolio? Not just one of the three?"
Global Indians face a unique set of financial challenges that domestic advisors are rarely equipped to handle. These are the six we address every day.
The practical frustrations global Indians face every day, and how we take them off your plate.
01
Complex paperwork
Account opening, KYC, FEMA declarations and filings handled end to end, so documentation never becomes your burden.
02
Support across time zones
A dedicated relationship manager who works to your hours, with secure access to your portfolio wherever you are in the world.
03
Tax compliance
Tax-compliant solutions structured around your country of residence and DTAA, with returns filed through the Right Horizons auditor.
04
Access beyond the retail shelf
PMS, AIFs, GIFT City and global platforms typically closed to individual investors, made accessible through the Right Horizons platform.
Four core services, each built for the specific financial realities of global Indians. All delivered through one relationship manager backed by specialists.
Goal-based, globally diversified, tax-efficient portfolios. Indian assets and global assets balanced into one optimised portfolio, reviewed on a disciplined cycle.
Indian tax, FEMA, RBI compliance and repatriation. Compliance and tax efficiency working together to protect your returns. Tax returns filed through the Right Horizons auditor.
End-to-end planning, taxation, execution and monetisation of global equity compensation across all three phases: grant and vesting, exercise, and monetisation.
Strategic guidance on property acquisition, management, taxation and divestment for NRI investors. Managed from overseas, from acquisition to repatriation of sale proceeds.
A customised NRI investment universe
From the Gulf to North America, we advise Indians wherever opportunity takes them. All anchored to our SEBI-registered base in India.
01
UAE and Middle East
Gulf professionals and entrepreneurs, served on the ground from Dubai.
02
United States
Tech and management professionals navigating ESOPs and cross-border tax.
03
UK and Europe
Long-settled families balancing European and Indian assets.
04
Singapore
Globally mobile executives building diversified portfolios.
05
Canada
Families planning succession across two tax systems.
All advised from, and anchored to, our SEBI-registered base in India.
What you are trying to build, and where you are located, shapes the advice you need. Select the situation closest to yours.
"I am earning abroad with no pension safety net. Every rupee I send to India needs to build a retirement corpus that will sustain me when I return."
I want to know: How do I build a meaningful India corpus from abroad without taking compliance risks I cannot manage?
"I am in the US and every India investment runs through a compliance filter first. PFIC, DTAA, double taxation: these determine whether any India investment makes sense."
I want to know: How do I invest in India without triggering IRS complications or paying tax twice?
"My children are settled abroad. I am planning to return to India permanently. I need to structure my wealth for that transition: foreign assets, a retirement home, shifting my financial base."
I want to know: How do I land back in India financially without losing money in the transition?
"I have legacy assets in India (stuck PF, inherited property, old stocks in a Demat account) that I cannot manage effectively from abroad."
I want to know: Can someone handle the administrative and documentation burden while I am thousands of miles away?
Why globally successful Indians consolidate with a single advisory partner rather than managing multiple specialists across borders.
The typical fragmented approach
The Right Horizons integrated ecosystem
Every NRI investment plan must answer one question first: does this structure deliver meaningful value above a simple NRE or FCNR deposit, after currency and tax?
NRO Account
Non-Resident Ordinary
Mandatory for India-earned income: rent, dividends. Taxed at slab rates in India. Primarily used for local expense management.
Taxable in IndiaNRE Fixed Deposit
The Psychological Anchor
Simple and tax-free in India, but fully exposed to rupee depreciation. The benchmark most NRIs use to evaluate all other India investments.
Tax Free in IndiaFCNR Deposit
Dollar-Denominated Protection
Lower headline rate but zero currency risk. Held in foreign currency. Simpler compliance reporting. The anchor for US and Canada investors.
Tax Free and FX HedgedGIFT City
Flexible Dollar Structure
Combines dollar denomination with better liquidity and tenor flexibility than FCNR. A growing option for NRIs seeking dollar-based exposure with more choice.
FlexibleThe plan must demonstrate meaningful value above the NRE baseline to justify the compliance structure and the effort of managing a cross-border portfolio. If it does not, we say so at the first meeting.
Right Horizons was founded by Mr. Anil Rego in 2003. The dedicated NRI desk is led by a specialist who understands the compliance, currency, and life-stage realities of global Indians.
Founder and CEO
Chartered Financial Analyst and MBA from ICFAI. Corporate experience in business planning, corporate finance and M&A at Wipro Technologies. Regular speaker on business television and contributor to print and online media. Dreamt of retiring at 35 and reached it at 30; now on a mission to help others realise their own ambitions.
Author of "Honey, I Lost All Our Money!", distilling personal lessons in financial discipline.
Sunil Kawariya
Private Wealth and NRI Specialist
The NRI onboarding cycle is deliberately longer than domestic. Validation with an overseas advisor and cross-border compliance review are built in from the start. Most clients who read Economic Times daily come prepared with specific technical questions. We expect that and welcome it.
Step One
Discover
We understand your goals and your full financial picture: geography, current India assets, family situation, and primary concern. No product discussion yet.
Step Two
Plan
We assess current investments, map tax and compliance constraints, and build a customised strategy: post-tax, post-currency, benchmarked against your NRE baseline.
Step Three
Execute
We implement tailored solutions with execution handled end to end, including documentation, KYC, PF retrieval if needed, and first allocation.
Ongoing
Review
Ongoing review and support on a weekend-scheduled cadence, recalibrating as life evolves: job changes, returning to India, family events, tax rule changes.
Typical time from first conversation to first allocation: 3 to 6 months. Reviewed continuously and recalibrated as your life and the markets change.
US and Canada investors
"I am worried about PFIC issues. Every mutual fund in India potentially triggers a compliance problem in the US."
This is the right concern to start with. Not every Indian fund structure triggers PFIC, and the structures that avoid it are well-established. We map your India plan against your US reporting requirements before any investment is made, not after. The compliance review comes first.
Middle East investors
"My NRE deposit gives me a risk-free return. Why take on market risk and currency exposure for a marginal improvement?"
The NRE deposit is a legitimate benchmark and we treat it as one. The plan only makes sense if it demonstrates meaningful value above that baseline after accounting for currency, tax, and the effort of managing a portfolio. If it does not, we will say so.
Returning NRIs
"How quickly can I repatriate money if my plans change and I need funds back abroad?"
Repatriation timelines and limits depend on the account type and the nature of the investment. We document the repatriation pathway for every instrument before it is purchased, not when the need arises. Predictability on this is part of the plan from the outset.
All NRI investors
"I want to validate your plan with my wealth manager here before committing. That will take time."
This is expected and we encourage it. We provide the documentation your overseas advisor needs to review the India plan against your home-country tax position. The validation phase is built into our process. It is not a surprise at the end.
★★★★★
"Associated with RH since 2007. Earning money is one part of life; how to use it efficiently is crucial. RH helps build the portfolio slowly and steadily to reach the financial goal."
★★★★★
"Associated with Right Horizons since 2013. I was impressed by their concept and dedication. They provide the right advice and help to maximise returns; one of the best financial service providers."
★★★★★
"Associated with Anil Rego and Right Horizons since 2004. In 22 years, I have received excellent advice on investment and portfolio management from a very committed team."
Complimentary First Consultation
A conversation that starts with your compliance position, your geography, and your goals, not a product menu. Most of our NRI clients book their first consultation as a couple. Both perspectives help us build the right plan.
Weekday and weekend slots. We will reach out on WhatsApp within one business day.
Request My ConsultationRight Horizons Financial Services · SEBI Registered · INA 200002601 · Established 2003
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