India- An Awakening Giant

• Need based consumption led economic growth
• One of the fastest growing economies in the world
  
  • Expected GDP growth in excess of 7% pa. in the next decade

• Huge investments required in Infrastructure
  
  • Hard- Roads, rail, port, dams, energy/power etc.
  • Soft- Education, healthcare, logistics etc.
• Favoured destination for FII & FDI investment
• Favorable demographics
  
  • 65% of population below 35 years
  • Huge middle class
• Increasing urbanization trend
• Independent judiciary
• Robust and well regulated financial markets

What’s in it for NRIs

• ROI expected from Indian markets in excess of 15% p.a. for the next 10 years atleast
  • Driven primarily by equity & real estate
• Diversification to reduce market risk
• Participating in the India growth story
• Easy repatriation possible

The Wealth Management Process

Product Portfolio

• Equity, Debt & Hybrid
• AMCs available-Reliance, ICICI Prudential (exc. US & Canada), HDFC, DSP Blackrock, Birla, Canara Robeco, IDFC , SBI etc.
• Best performing funds in almost all categories belong to the above AMCs
• Index beaten by approx 10% p.a. over 3-10 years period consistently
• Diversified funds will continue this trend for atleast next 10 years.

• Know your customer (KYC verification)
  • PAN card and address proof (Indian & foreign)
  • A simple form with a photo
• Forms to be signed for separate AMC with cheques
• Cheque to be from NRE A/c in case of future repatriation possibility
• Online platform available for transactions
• Online portfolio view

• From various AMCs- ICICI Prudential (exc. US & Canada), Birla, HSBC
• Various themes available e.g. large cap, Midcap, Dividend yield portfolios.
• They can sit in cash when the market turns bearish unlike MFs which have to remain invested.
• Documentation specific to each fund house and more exhaustive than MFs

• Residential properties generally appreciate better
• Approx.10% appreciation, rental income 3-5%
• Commercial properties provide a better rental income
  • Approx 10% rental income and 5% appreciation
• Average 15% pretax returns from either of the above
• Can invest in Residential (2 nos.), Commercial (no restriction) & Developed plots
• Can’t invest in Agricultural land
• Loans if required, are available for residential property

• In line with the dynamism of the Indian markets
  • Sophisticated products like REITs, P E funds etc.
  • Art and art related funds
  • Life Insurance & pension funds for long term equity exposure
  • General Insurance for your assets in India
  • Non discretionary equity PMS (except US and Canada)