KA Portfolio Doctor – NRI Wealth Freedom Strategy

Preface (A Special Message for NRIs)

As an NRI, you work hard across the world…
But when it comes to your Indian financial life — Mutual Funds, Equity, Property, NRE/NRO accounts, FEMA rules — everything becomes:
1. Complicated
2. Confusing
3. Time-consuming
Most NRI investors face similar challenges:
Unsure where to invest
Very limited time to manage portfolio
Wrong funds, ULIPs, random LIC policies
Taxation and FEMA rules not clearly understood
Too many assets, no proper strategy
Market timing or agent-driven decisions
And the outcome is always the same:
High Income, Low Net-worth
That is WHY KA Portfolio Doctor has designed a complete financial freedom system exclusively for NRI investors,
based on global income, Indian growth, correct compliance and long-term wealth building.

KA Portfolio Doctor – NRI Financial Freedom & Net-worth Strategy
Designed ONLY for NRI Investors

STEP 1 – NRI Wealth Diagnosis
Professional health check-up of your financial life

1.1 Net-worth Statement
A complete view of:
Global assets
Indian assets (MF, Equity, Gold, Property)
Liabilities (India + Abroad)
Currency-wise breakup

Action: Fill the NRI Net-worth Sheet (provided by KA Portfolio Doctor)

1.2 Cashflow Mapping
Foreign income
India inflow/outflow
Family expenses
Monthly investable surplus

STEP 2 – Legal Compliance Setup
Your safe zone under FEMA & Indian taxation

2.1 Correct Bank Account Structure
1.NRE Account (Tax-free interest)
2.NRO Account (Indian income)
3. FCNR Deposits (Foreign currency safety)

2.2 Mandatory KYC
PAN + FATCA + CKYC = required for MF & equity

2.3 Common Errors We Fix
1. Investing as resident
2. Joint account violations
3. FEMA breaches unknowingly
4. Excess TDS deductions
Action: KA Portfolio Doctor performs full NRI compliance review.

STEP 3 – NRI Asset Allocation Model
Global Income → Indian Growth Model
This model accelerates long-term net-worth for NRIs.
1 Core India Growth (50–60%)
Largecap&Flexicap Mutual Funds
India banking & consumption themes
Stable long-term wealth engine
2 SEEP Equity Strategy (25–35%)
Strategic Entry & Exit Pathway
Rule-based stock accumulation
No timing, no monitoring
Perfect for NRIs living abroad.
3 Liquidity & Safety (10–15%)
NRE FD / FCNR deposits
USD/GBP/EUR safety buckets
Emergency fund (India + Abroad)

STEP 4 – SEEP Strategy for NRIs
“Invest from anywhere in the world. The system handles the rest.”
Why SEEP is ideal for NRIs:
1. No need to track markets
2. No emotional decisions
3. No unnecessary fear
4. Systematic, rule-based wealth creation
5. Perfect for long-term compounding
Action:
KA Portfolio Doctor selects 5–8 SEEP stocks
→ Fixes monthly & yearly accumulation plan

STEP 5 – NRI Property Strategy
Most NRIs either over-invest or invest emotionally.
Good Property
1. High rental potential
2. Clean legal status
3. Good location
4. Appreciation track record
Bad Property
1. Emotional buying
2. Under-construction risk
3. Pressure from friends/relatives
Action:
Your existing properties → Reviewed
Future property choices → Strategically planned

STEP 6 – Tax Efficiency System
Indian taxation is unique for NRIs.
Key Benefits
NRE FD → Tax-free interest
NRO Accounts → Optimised TDS
DTAA benefits for global income
Right fund selection = lower capital gains
Tactical withdrawal strategy
Action:
KA Portfolio Doctor provides annual NRI tax optimisation plan.

STEP 7 – Monthly Wealth Engine (SIP + SEEP)
SIP Setup
NRE/NRO-linked SIPs
Goal-based investing
Completely automated
SEEP Setup
Automatic systematic stock accumulation
Additional buying during corrections
Zero emotion, 100% discipline
Action:
Set monthly SIP + SEEP auto-invest system.

STEP 8 – NRI Net-worth Doubling Formula
Rule:
> Your net-worth should double every 5–7 years.
How NRIs achieve this:
1.Global earning power
2. Indian growth engine
3. Consistent SIP
4. SEEP compounding
5. System-driven decisions
6. No random withdrawals
Action:
Update the Net-worth Tracker every 6 months.

STEP 9 – Family & Legacy Planning
NRI life requires additional planning:
Children’s education (India/Abroad)
Parents’ medical planning
Spouse financial security
Succession planning (Will, Nomination)
Smooth handling of overseas + Indian assets
Action:
Fill the NRI Family Protection Sheet.

STEP 10 – Annual Portfolio Review (India + Abroad)
Every year KA Portfolio Doctor reviews:
1. Portfolio performance
2. Asset allocation
3. Tax optimisation
4. FEMA compliance
5. Property analysis
6. New India opportunities
7. Goal progress
This keeps your system updated, safe and future-ready.

Final Message for NRI Investors
“You work hard across the world,
but your money must work even harder for you in India —
through a clean, compliant and powerful wealth system.”
Global income + Indian growth =
Financial Freedom + Strong Net-worth.
KA PORTFOLIO DOCTOR
Your Trusted NRI Wealth Specialist.

Ready for a customised NRI Wealth Plan?