Client Profile: Global professional returning to India.
After more than twenty years in the United States in senior positions with prominent consulting companies, Alan made the decision to permanently return to India. Over the years, he had accumulated a diversified portfolio, including investments in mutual funds, equities, and NRE fixed deposits in India, in addition to U.S. dollar-denominated holdings managed through his bankers in the U.S.
The key challenge was to evaluate both portfolios together while retaining their respective currencies and to ensure that Alan had complete visibility and control over his global finances. Additionally, given that his travel and living expenses were drawn from his U.S. accounts, Alan required a consolidated view of cash flows across both retaining their individual currencies and to ensure that Alan had full insight and oversight of his global finances. Furthermore, since his travel and living expenses were funded from his U.S. accounts, Alan required a consolidated view of cash flows across both geographies.
The Privus team conducted a comprehensive review of all assets, assessing performance, costs, and tax implications across both India and the U.S. The goal was to create a cohesive, globally aligned portfolio without unnecessary overlap, ensuring efficiency in both structure and taxation.
Cash flows across Alan’s Indian and U.S. bank accounts were systematically tracked and consolidated to produce a monthly expense and cash flow report, giving him full visibility of his spending and income sources. The team also curated investment options within each geography to maintain diversification while aligning to a unified asset allocation strategy.
Alan successfully transitioned to life in India while retaining his overseas portfolio and its currency advantages. Today, his assets are strategically aligned across geographies, offering balance between growth and liquidity. With consolidated reporting and structured oversight, Alan enjoys greater control over his global finances, confident that his wealth remains efficiently managed, wherever he resides.