Golden Opportunities for NRIs After 5 Years – Are you ready? - Miss This At Your Own Responsibility.

June 24, 2013

Golden Opportunities for NRIs After 5 Years – Are you ready?  - Miss This At Your Own Responsibility.

Great Morning Guys. I am sure you would have read my last two emails on Stock Market and Gold. Many of you must be asking the most important question……What you have written makes sense to Resident Indians…but as an NRI What’s In It For Me?….the most heard FM Channel – WII-FM.

I have great news for you my dear friend. At Destiny Management we have a core belief and it goes like this…. “Till You Reach to That Levels Where You Can Influence The Macro Policies…..Try To Be Beneficiary of Whatever Comes in Front of You Rather Than Victimize Yourself.”

So, What’s In It For You?

Well, you have the currency which is going up in value. In other words, you have to spend lesser Dollar to buy things in Indian Rupee. USD has appreciated 10% in last 2 months….so, you got natural discount of 10% when you buy in India. We have already told you the most optimistic target of USD at Rs.62 to Rs.65. Whether it goes to that level or not, we have a solid suggestion for you.

Let us assume you have a USD 1 lakh for investments.

Transfer 20000 USD in your NRE account now. Transfer another USD 20000 around Rs.61-62, another USD 20000 USD around Rs.63, another USD 40000 around 64-65.

In any case transfer your total investible USD in India, if USD goes below Rs.56. We expect drastic action from Indian Government and RBI if USD crosses 60. So, the risk is that USD may fall in a band of Rs.55-Rs.57 very fast. So, you need to take fast actions.

What Can You Do Once You Have Transferred USD in NRE A/c?:-

Do Nothing:- If you are not comfortable in Investing In any asset class….just keep your money in NRE account. Once the elections are over….we expect USD to fall around Rs.53-Rs.55…You will get 10% more USD than you transferred.

E.g. You have transferred USD 1 lakh at an average rate of say Rs.62….You have Rs.62 lakhs in your bank….now you convert the same into USD at Rs.53….you will get USD 16981 more….that is about 16.81% return in 9 to 12 months.

Invest in Bank Deposits:- As an NRI you are getting tax free Fixed Deposits around 9%. So, if you invest in FDs…..you will get USD 9000 extra…so, your total return will be USD 25981 (16981+9000). That is 25.98% risk free and tax free return on your investments. You do not need an MBA to do this.

Invest in Equities:- Sensex has come down from 20200 to 18600….giving you 10% discount in Rupee + 10% you are getting in USD….Effectively you are getting 20% discount. Looking at past 14 years election track record (As discussed Inside Story of Dollar Appreciation/BSE Sensex & Union Elections), we are 100% sure for market making a new high. If conservatively, we take just 20% upside….you are making 20% now + 20% in coming 1 year.....so, 40% return in a year. 

We are suggesting pick and choose approach since last 3 months in all our emails….so you keep money in NRE Fixed Deposits and invest in Equities….as and when your chosen stocks are near bottom. This way you can multiply your return and reduce the risk. But to do this, you must have transferred USD to your NRE account in the first place !!

Invest in Property:- If you have always wanted to buy a dream home in your native or invest in upcoming tier 2 metro cities of India, this is a time to take a plunge. Here also there are no buyers….and builders are ready to give you good discounts….take advantage of the same.

However, the problem with this option is, you will lose your liquidity for a long period.

Secure Your Future with The World’s Biggest Insurer LIC:- LIC has become a Generic Name for Life Insurance in India….it has the best claim settlement ratio and your returns will be tax free. If you really want to secure your future or plan your retirement corpus…you should plan some investments in LIC, too.

What Will I Do If I Am An NRI?

I will transfer USD 100000 to NRE account in stages as suggested above. Invest 30% to NRE Tax Free Fixed Deposits, 50% to Equities and 20% to Life Insurance for Security and Pension. I will not invest in Property as it will not allow me to take advantage of the reverse exchange rate…..that is, if USD goes to Rs.53….I may not be able to sell my property to convert again in USD.

How Destiny Management Can Help You?

We have shown you options from Doing Nothing to Investing in Fixed Deposits, Equities, Property & Life Insurance.

We have expertise, skill sets and net work to help you in all the above areas. Make your choice and act today.

My Personal Call:-

Many times I hear the most powerless sentence from my friends….. “I should have listened to you.” I wish, you do not have the same feelings after elections.

Isn’t It Easy To Make Money?

Just see, you can make 16% to 40% return in coming 12 months and that too without much risk. Having earned less than 10% return in your country, I know how you feel after reading about the above opportunities.

If you feel like calling us just now…..do not stop yourself. Please call before it is late.

If you need help in execution of any of the above investment opportunities, do approach us.

Kindly forward this email to all your NRI friends and make a difference in their life.

You can follow me @hiteshmparikh on twitter.

Live With Passion…Invest With Passion.

Hitesh Parikh.

Risk Disclosure:- Above suggestions are given looking at the past 14 years track record of Market and USD movements. Please take advice of your personal investment consultant before you act.