FinPlann Blog — Personal Finance
Guides & insights for everyday investors
Practical articles on mutual funds, tax planning, retirement, insurance, and the money decisions that shape everyday life.
More Articles
RSUs and Indian Investments: Building One Portfolio as an NRI
Your vesting RSUs and your India SIPs aren't two separate worlds — they're one net worth. Here's how NRIs manage concentration, currency, and tax across both.
How to Repatriate Money from India as an NRI: The $1 Million Rule
Moving your India money abroad — sale proceeds, inheritance, NRO balances — is governed by an annual USD 1 million limit and a paperwork trail. Here's the process.
US–India DTAA: How NRIs Avoid Being Taxed Twice
The Double Taxation Avoidance Agreement lets NRIs claim credit for tax paid in one country against the other. Here's how it works for salary, interest, and capital gains.
How Much Do You Need to Retire in India as an NRI? The Real Math
Earning abroad but planning to move back? Here's how to calculate the exact corpus you need to retire comfortably in India — and the mistakes that inflate the number.
NRI Mutual Fund Taxation: What US-Based Investors Must Know (PFIC & FBAR)
Indian mutual funds can be a US tax nightmare for NRIs — PFIC rules, FBAR, and FATCA reporting. Here's what triggers them and how to avoid an expensive surprise.
NRE vs NRO Account: Which One Does an NRI Actually Need?
NRE for foreign earnings, NRO for India income — but the taxation, repatriation limits, and joint-holding rules trip up most NRIs. Here's the clear version.
Equity ETFs Beyond Nifty 50 — The Missing Pieces of Most Indian Portfolios
Most Indian ETF investors hold only Nifty 50 ETF. The market has 50+ equity ETFs covering Nifty Next 50, Midcap, Smallcap, Sensex, Bank Nifty, factor strategies. Here's what's worth adding and why.
Contra Funds in India — The Underrated Equity Category
Contra funds bet on out-of-favour stocks and sectors — buying what others are selling. The category sounds clever but has had inconsistent execution. Here's when contrarian investing actually works in Indian markets.