🔹 About Me.
I am Dineshkumar, a seasoned mutual fund distributor with 27 years of hands-on experience in guiding clients through the complexities of wealth creation, tax planning, and portfolio management. I specialize in providing tailored investment solutions that blend safety, growth, and liquidity — suitable for both Indian residents and Non-Resident Indians (NRIs).
With my extensive industry knowledge and a strong compliance-driven approach (ARN: 87465, EUIN: 073669), I offer highly personalized financial planning to individuals, families, business owners, and NRIs.
🔹 Value-Added Services
✅ NRO Account vs. Debt Funds – A Smarter Choice for NRIs
Many NRIs park their earnings in NRO (Non-Resident Ordinary) savings or fixed deposit accounts, which often offer low interest rates (4%–5%) and are taxable in India.
Here’s what I offer instead:
-
Debt Mutual Funds: Safe and stable instruments that can generate better post-tax returns than traditional NRO accounts.
-
Customized Investment Strategy: I help NRIs shift idle NRO balances into short-duration or low-risk debt funds (like liquid, ultra-short-term, or money market funds) based on their risk profile.
-
Tax-Efficient Returns: With indexation benefits (after 3 years), capital gains on debt funds can be much more tax-efficient than interest earned on NRO deposits.
-
Liquidity + Growth: Easy withdrawals, better returns,Â