Do you know – There are two kinds of return on your investment ?

Nominal Return and Real Return.

In simple terms, the gross return which you generate on your investments is called nominal return. On the other hand, the net return which you generate on your investments after deducting tax, inflation and currency depreciation is called the real return.

Is your fixed deposit currently generating any returns over and above the current inflation ?

Do you know – Less than 3 % Indians invest in equity market including direct equity, ELSS, PMS and mutual funds whereas 55 % Americans invest in equity?

Don’t deplete your wealth by simply parking it idle in your bank account.

Clink on the link below to read more about – Traditional Financial Solutions v/s 21st Century’s Investment options on my LinkedIn profile.

“If you don’t find a way to make money while you sleep, you will work until you die.” – Warren Buffet.

Children are the most precious gift of God but they come with an expensive price-tag. Would you like your child to start his first dream job with the burden of paying towards his education loan at the same time ?

Do you know the global education inflation is exponentially rising-up by more than 10 % every year ? In simple terms, today’s cost of USD 100,000 for a 3-Years U.G. and 1-Year P.G. will double in the next 10 years.

There are only two simple ways to fund for your child’s higher education: –

Option 1 – Start investing and earn an interest on your investments or
Option 2 – Take an education loan and make your child pay interest.

As caring parents take an early step to build your child’s foundation because your decisions today will decide their future tomorrow.

Retirement is the time to Enjoy all the things you never had time to do, when you were busy working hard for your loved ones. In Financial Planning terminology, Retirement means Financial Freedom. It can be a time to enjoy life and relax, without any pressure from work.

Have you decided the age for yourself when you will stop working for money?

55% of pre-retirees in the UAE are not financially prepared for life after work. It can be surprising and devasting to realise that you cannot realistically retire at the age you planned for.

What’s your preference in retirement ?

Do you want to travel the world ?
Do you want to pursue your hobby?
Do you want to become a social activist ?
Whatever your future goals are, having peace of mind is crucial for your success.
But how can you ensure that peace of mind ?

Do you know the right age to start saving for your retirement is the day when you receive your very first pay-cheque ?

Click on the link below to read more about the “Ideal age to start saving” on my LinkedIn profile.

U.A.E. is a land of dreams for most of the expatriates who come across from different countries in search of work, happiness, luxuries & holidays. In pursuit of our dreams, we build our small world here and we eventually buy property, car, gold, shares and other movable / immovable assets for ourselves and our family.

However, most of the expats only understand the importance of Will when the bread-winner of the family dies as an Intestate. Since UAE is a Muslim country, do you know all U.A.E. courts adhere to Sharia laws in regards to inheritance of assets in case an expat dies here without preparing a Will ? Would you like a definitive plan in place as per you wish for passing your legacy to your family members and keeping the provision of distributing your estate as per your choice in future?

As a non-Muslim expat in the UAE, you may already have a will made in your home country for your assets there but your home-country laws of inheritance may not apply to your movable and / or immovable assets in UAE, unless you have a registered will recognized as per UAE law.

I provide complete solution for legacy planning by assisting all my clients in setting-up their U.A.E. Will in order to ensure a smooth transition of their estate in future.

Read this article published on Gulf News – Getting a will made in the UAE can help protect your immediate family from unforeseen circumstances.

Do you know there are more than 4,600 stocks listed in US market, 1,300 stocks listed in Europe and nearly 1,800 stocks in the Shanghai Stock Exchange ?

Are you an investor based in U.A.E. or India but you would like to expand your direct equity portfolio to Asia, Europe and US stock exchange as well ?

Would you like to trade in international stocks, commodities and forex ?
I can help you to set up an international online trading platform which can increase your reach to the global markets and give you the access to more than 10,000 international stocks under one portal.

Do reach out to me if you would like me to actively manage any of your existing trading account in any part of the world, if you don’t have the time and expertise to trade in direct equity.

We all go through different phases in life, not seeing life for all that it is, and all that it can be. Without being able to go through life, learning from each step along the way, we will never be able to explore any new opportunities around us. Most of the expats are not aware of the options available for them in the international market.

I work closely with all my clients and help them develop a comprehensive evaluation of their current assets and future financial strength.

Financial planning is much more than buying a property or doing a fixed deposit. It includes complete financial health checkup in order for one to get a comprehensive idea about their current financial status and the possible ways to reach at their financial goal through a planned implementation of activities.

Click on the link below to read more about the “ The Importance of Having a Financial Planner as your Financial Mentor ” on my LinkedIn profile.

We insure our house, car, watches and even our pets but as your lifestyle depends on your income, protecting your income should be your priority in life.

Most of the people leave behind a basic life insurance for their family in case of their death, But the question is – What insurance do you have in case you live ?

Although, the need for life and critical illness insurance is a no-brainer but sadly the reality is, a lot of people still think they are invincible and immortal until the worst happens.

We cannot do anything to avoid the unplanned 3D’s in our lifetime – Death, Disease and Disability. But we can at least put-up a plan in place to be prepared if we ever encounter them. It’s a well attested fact that being prepared for any eventuality reduces the intensity of the shock borne by the survivor.

Do you have a ‘Plan – B’ in place to protect your loved ones current lifestyle forever ?

Click on the link below to read more about “ Why should you have a ‘Living Insurance ” on my LinkedIn profile.
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No one can predict the future but you can at least protect it by taking a small initiative for your family because ‘ Wealth protection and Wealth creation always go hand in hand.’

Protect the future of your family through a wide range of insurance solutions from all the international and local providers operating in U.A.E.

This could be your first and most effect step towards ensuring the happiness of your family in the long run. Being an independent financial adviser, I help all my clients take a tour through all the available options and then guide them to select the most appropriate solution to meet their specific need.

Whether it’s about your dream home or you plan to buy a property in UAE for investment, I can help you to transform your dreams into a reality.
Avoid the hassle of approaching multiple banks, when you can compare the best rates from all the leading UAE and UK Banks through my preferred partners.

Starting from the initial process of applying for loan till the disbursement of the loan amount, my team of experts would help you through the entire process. I also advice on various additional benefits like home and mortgage insurance to ensure your dream home is always protected from all eventualities.

Feel free to contact me to get the best possible mortgage rates and property deals for UAE and UK.

From a Life Protection point of view the more assets you have, the greater the need to maintain, preserve and protect your assets in order for your family and loved ones to benefit from your legacy.

Large insured amounts are often referred to as “Jumbo Insurance” or “Universal Life Insurance” and tends to be favoured by High-Net-Worth Individuals as it offers the flexibility and choice to meet with their financial needs and objectives.

My HNI clients are always looking for Jumbo policies which can act as an investment vehicle as it can provide an encashment value if the policy holder decides to terminate the policy prior to death. A lot of clients use Jumbo insurance as a vehicle to mitigate Inheritance tax for their next generation.

You can choose to pay a single premium for Jumbo policies or through a series of payments. I can also arrange for premium financing for minimum single premium of USD 1 million and above wherein the policyholder will only have to pay approximately 25 % of the total single premium and the remaining can be financed by the bank on interest only basis.

The minimum life cover requirement starts from USD 1 million and goes up to a maximum of USD 100 million for an individual. The maximum age up to which one can insure themselves through a Jumbo Insurance policy is up to age 120.

Over recent years, many countries have recognized the benefits of attracting foreign investors through Citizenship by Investment (CBI) programs. These programs offer a unique pathway to obtain citizenship in a foreign country by making an investment in that nation’s economy. The benefits of CBI programs are multifaceted and include increased global mobility, enhanced business prospects, and the security of a second citizenship in a stable and prosperous nation. In simple words, it means an option to get a second passport where in with a set amount of investment, you can opt for another passport and explore the global opportunities across various countries. There are multiple countries that offer the “Citizenship by Investment” program such as Turkey, Portugal, Malta, Greece, St. Kits & Nevis and now USA as well through their EB-5 programs that is currently one of our most popular offering.