Investment Planning Session for Indian Expats

Let’s build your SG Investment Engine together.

The Zero Lock-in Strategy: Build a liquid, tax-free global portfolio, without locking yourself into unnecessary insurance products.

Just like how in India you invest through mutual funds, here in Singapore the equivalent is called Unit Trusts and they are fully liquid. You can redeem them anytime. No lock-in, no penalties.

But here’s what makes them powerful as an expat:

  • Reduce your taxes today: Even as a foreigner, you can contribute to the Supplementary Retirement Scheme (SRS) and get a tax deduction on your contributions… meaning you pay less income tax this year, while your money grows in a tax-sheltered environment.
  • Invest in Indian markets using Singapore Dollars: Through Unit Trusts, you can get exposure to Indian equities without the hassle of an NRE account, filing for TDS, or chasing tax rebates back home.
  • Invest globally in Singapore Dollars: The same Unit Trusts give you exposure to US markets, Asian markets, and emerging markets all from one place.
  • Zero capital gains tax: Whatever you earn, you keep. Singapore doesn’t tax your investment profits.

 

Let’s stop converting Dollars into Rupees, avoid paying 12.5%–20% capital gains tax in India, and construct a global portfolio that gives you far better risk-adjusted returns.

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Readers should seek independent, unbiased financial advice that is customised to their specific financial objectives, situation, and needs. This publication has not been reviewed by the Monetary Authority of Singapore.

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