Author name: The NRI Circle Research Desk

LRS caps residents at $250K/year. NRIs face no such cap on foreign funds but hit other restrictions. Here’s who actually has the edge, and where.

A truly diversified NRI portfolio spans asset classes, geographies, and currencies together. Here’s a practical framework for building one.

Same metal, three very different ownership experiences. Here’s a decision framework for NRIs choosing between physical gold, gold ETFs, and gold funds.

Sovereign Gold Bonds are discontinued and were never open to NRIs. Here’s what NRIs can actually invest in for gold exposure in 2026.

Ten mutual funds and a few stocks isn’t diversification if they all move together. Here’s how NRIs mistake variety for real diversification.

Volatility-controlled strategies shift between risk assets and cash to keep risk steady. Here’s how they work and what NRIs should know before using one.

Standard deviation measures how bumpy the ride is. Drawdown measures how deep the fall was. Here’s how NRIs should use both to judge portfolio risk properly.

NRE FDs move with India’s rate cycle. FCNR moves with the US Fed’s. Here’s how the two interest rate cycles actually affect an NRI’s fixed income mix.

NRIs can’t buy US Treasuries directly, and most don’t need the LRS route residents use. Here’s how NRIs actually access US Treasury exposure from abroad.