De Emerald Partners provides bespoke Wealth Management Services for Non Resident Indians. These services enable NRIs in any part of the world to invest in India Seamlessly and easily through banking channels in a repatriable or non-repatriable manner.
Equity is the best asset class to help you create wealth. It beats inflation and compounds at higher rates than other products. In the last 30 years, the average return from equities in India (Sensex) has been ~14% – double the average inflation rate of ~7%.
Investments in equity come with some risks since it is a volatile asset class. However, data shows that if you stay invested in equity for longer periods, the probability that you will earn negative returns actually diminishes. If you invest for a year (not a recommended time period for equity investments), chances are that you would make losses of 28%.
But if you expand your horizon to, say 5 years, the probability reduces to just 5%. Furthermore, your chances of a loss come down to 1% and 0% with a horizon of 10 years and 15 years respectively!
To build wealth, you need to become comfortable with the idea of investing! And the key to smart investments is NOT just to save, but to generate real wealth – and that is only possible with smart investments.
De Emerald Partners have forged strategic partnerships with leading Mutual Funds and Portfolio Management Service firms to provide investment advisory services so you can make smart investments and build wealth!
Over time, investing in equities is one of the smartest ways to build wealth!
Mutual Fund industry plays a key role in the Indian Financial Sector. This industry has come a long way since its inception in the year 1963.
The Indian Mutual Fund industry is one of the fastest growing sectors in the capital and financial markets in India. Indian Mutual Fund industry has seen dramatic improvements in quantity and quality of product and service offerings in recent years. Over decades, the Indian Mutual Fund Industry has seen a lot of development and growth. It has become more organized and transparent in terms of its functioning, since the inception few mutual fund companies have been offering top notch mutual fund schemes. The expansion of this sector has been tremendous as it has seen growth in all parameters namely – assets under management, number of schemes, funds, fund houses etc. As of Dec 2019 there are over 40 fund houses with over 2000 schemes, across equity and debts schemes managing over USD 300B in assets.
Investing in mutual fund is beneficial as it will help you in diversifying your portfolio. This investment is backed by professionals who help you take wise investment decisions
Mutual funds offer long term returns that range from 7% (in lowest risk carrying liquid funds) and 15% or higher in case of most equity funds over a 5 year period. These inflation beating returns provided by mutual funds are one of the key reasons why many are choosing these market-linked investments over fixed income instruments such as fixed deposits.
Be part of the Indian Mutual Fund industry and grow your wealth in India
Portfolio Management Services (PMS)
Portfolio Management Service (PMS) is a tailor-made professional service that helps you invest in direct equities and create wealth over the long term. PMS is a customized solution created to suit the investment objective of an investor. PMS is a unique solution for those who are looking to tap the growth opportunities in the financial markets but do not have the time and specialized skills required for the same. All aspects from stock picking, order execution, settlement and performance reporting is undertaken by the PMS provider. PMS brings a much needed discipline to investing.
PMS investment strategies are based on data-rich quantitative analysis as well as a thorough analysis of business models, fundamentals, price action, industry dynamics and macros. They pay extraordinary attention to every detail of capital allocation, security selection and execution; leveraging technology and experience to choose the assets that have the best chance of generating wealth for you.
The Portfolio Manager has full discretionary power to manage your portfolio into their investment philosophy. You can decide the allocation of your investment amounts into these philosophies as per your risk profile.
Long-term Investment Philosophy
This philosophy invests primarily in established businesses (typically large caps) and is suitable for conservative investors with medium-to-low risk appetite. The goal of this philosophy is to grow the invested capital at a reasonable rate with minimal risk. Therefore a portfolio of long-term growth philosophy would consist of established businesses with proven business models that will grow at a conservative rate over the next few years. Most of the sectors invested in under this philosophy include businesses that are not cyclical and have the potential to grow their earnings for several years in future.
Aggressive Growth Philosophy
This philosophy is free to invest across large, mid and small caps, and targets long-term wealth creation with medium-to-high risk. This portfolio consists of smaller businesses that are either growing fast, are undervalued or are turnaround plays. The focus is on leaders across the financials, cement and consumption space. With the economy coming out a ‘low GDP growth/ high inflation’ era into a ‘high GDP growth/low inflation’ era, these sectors are best suited for investment as they promise not only predictable growth but also significantly higher growth than the rest of the market.
Our end-to-end services include:
– NRE/NRO bank accounts
– PIS Account
– Custodian account
– Trading account
– PMS account
– Investment execution
– Filing your Income Tax returns in India and
– Coordinating with your local tax consultants
Our core philosophy is wealth-creation in a structured and disciplined manner so you can see your wealth grow over time. We aim to build lasting relationships with each of our clients based on our core values of honesty, integrity and mutual respect.
Your financial growth is our goal!
Are you a Non-resident Indian (NRI) looking to invest in India OR repatriate your foreign earnings to India?
The first thing you need to do to manage your money is have the right bank account.
Unlike regular citizens of India, NRIs cannot have standard savings accounts in Indian banks. Here are the types of NRI Accounts you can opt for to meet your financial requirements:
- Non-Resident External (NRE)
- Non-Resident Ordinary (NRO)
Opening an NRI bank account from foreign shores can be time-consuming and cumbersome.
De Emerald can take care of the entire process, from documentation and application submission to account opening and liaisoning with bank representatives/personal banking managers. In short, we will complete all necessary formalities on your behalf, within your desired time frame.
All NRIs are required to file their IT returns in India if they have an income that accrues, arises or is deemed to be received in India (including capital gains from investments), if that income is over the prescribed limit.
De Emerald will help you file your returns for the relevant financial year before the due date and with 100% adherence to IT compliance rules. We will manage everything from documentary evidence gathering to returns filing, coordination and assessment.