Nivritee Research · Global & NRI money
For households who earn in one country and will live in another: currency, home bias, gratuity and moving money home. 3 articles, every figure sourced.
Investors everywhere hold far more of their own country’s shares than its weight in world markets, which concentrates risk. For a family earning in dirhams or dollars and planning to live on rupees or pounds, the bigger question is currency: measure every holding in the currency your future bills will be paid in, then diversify across markets from there.
Global & NRI money
Coming home is several changes on different timetables. Your tax status follows day counts under the Income-tax Act, your bank accounts follow RBI rules under FEMA, and your investments, insurance and living costs each need their own step. This checklist explains each one in plain terms, with official sources — confirm the tax parts with a chartered accountant.
Expatriates in the UAE earn an end-of-service gratuity of 21 days’ basic pay a year for the first five years and 30 days after that, capped at two years’ pay — and no state pension. That makes the gratuity a useful one-off sum and nothing more: everything after you stop working has to come from savings you build yourself.
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