கையில் ரூ.5 லட்சம் இருக்கா? 2026-ல் NRI-கள் பணத்தை எங்கே முதலீடு செய்வது? | Exclusive |

Added: 2026-05-30

[00:00:02]Hello, sir.

[00:00:03]Hello.

[00:00:05]What kind of opportunities can NRIs in the Middle East see in India?

[00:00:07]Now that we have taken the investment, what opportunities are there? I mean, now is a very challenging time when they can be themselves. Because if you look at cities like Dubai since February, 90% of them are experts. That means that 90% of the local population where Indians are very, very present is ours, although our people also have some other Asian nationalities. We can take Dubai, Abu Dhabi, and other areas where Indians are very, very present. So, they've had a lot of different challenges over the past two or three months. There are many things like this, such as income, job security, etc. The situation there is still not completely resolved, the war situation is still there, the threat is still there. So, they don't have a situation where they can predict what will happen if that uncertainty happens. So now they have more rope, and how can they manage those savings efficiently?

[00:01:11]Those thoughts will come and now they will have more. Because that one will have regular income.

[00:01:17]But there is that uncertainty.

[00:01:19]How will this economy come about? How long will it take for Dubai's economy to return to its pre-February 28 level?

[00:01:26]Those challenges will always come and go. So, based on that, they definitely need a backup from now on. For so long, they have come and made large- scale investments, but generally there is that tendency.

[00:01:44]Now, if we take a look at states like Kerala, we can see that Kerala's economy is completely dependent on remittances from the Gulf, and there is a huge real estate and gold market. So now that it comes to investments, that has to change. That is, even if they have real estate on one side and gold on the other, they invest in it and after five to 10 years create a pension-like investment that they need for their life.

[00:02:15]Things like this come up and now more opportunities are emerging for them because of that fear. Let's see if those opportunities are now available in India, which is a very important factor.

[00:02:24]Sir, a lot of people in the Middle East are asking, "Can I invest in mutual funds now?" " How do I invest in mutual funds?" "What funds should I invest in?" "Usually, ED Tamil subscribers would come to us and send us questions like that.

[00:02:36]What other options do they have besides mutual funds? What is their first and foremost goal? What is their objective?"

[00:02:43]How many years will they invest now?

[00:02:48]How many more years will their jobs last?

[00:02:49]Because they can only invest if they have that income stream. Now, if I come here and stay there for the next 20 to 10 years, that income will come from somewhere else, because it's tax-free for them there, they'll probably send it to their families who can afford their expenses here. So they have some savings like that. Even though the cost of living there is high, they are able to save to some extent. So, they should come and design it.

[00:03:16]What is the financial goal? It depends on their time, how many years they are going to stay there, and what their objective is. If you look at all the opportunities to go to the Middle East, you wo n't have the mindset to go there and settle down.

[00:03:29]They just came and left, why did they do it? They came and returned to their own country, that's what happens, it depends on who I know now, who has been there for 30 years. That is, even though he went there after completing his studies and did not get residency there, he stayed there for almost 30 years. Some people will be there in 10 years.

[00:03:46]This is their need, that is, they have enough of it and will come back.

[00:03:56]There are also those who may be in that state of mind, or they may have done something wrong here. So this income stream of theirs is very important. It's important to know how many years you're going to invest for. So, on one side, there are mutual funds and options. There are also opportunities to invest directly in the stock markets. As I already said, there is a trend in real estate where people are buying a lot of houses and land. If opportunities like that come and the organized sector looks like that, mutual funds won't get that much returns. Even though Eddie has one side, when mutual funds are equity-oriented, there are many options. So, on a practical note, an NRI living in the Middle East comes and says 5 lacs, which is a hefty amount. Now he is in doubt whether he should invest this 5 lakhs in the Indian market or not. Because if you look across the globe now, there is uncertainty in the market. So, what do you think he should do at this time? If you suggest that he invest in something like that, what type of investment type can he explore? Let 's invest. Anyway, he has 5 lakhs of money now, which is a lot, so don't do it all in one go. What can be done? If he comes now, he wo n't be able to divide it and invest it himself, due to practical issues. There are many plans for systematic transfer plans, such as investing in a liquid fund and then transferring it to another equity fund. When we look at mutual funds, we see that transfers from one fund automatically come into that particular account and go out of that fund. It will go to another fund.

[00:05:31]When he automates something like this, it comes to him gradually, that is, in uncertain markets. It has come and gone, not just now, but 30 years after our first Gulf War, and after that, the Y2K crisis came.

[00:05:48]We saw the 2008 financial crisis, then we saw the Covid-related crisis in 2020. In between, there were small minor crises, and now there was the Russian-Ukrainian problem. So, in terms of the economy, a major crisis will come and go every 5 to 10 years.

[00:06:06]We have seen in our past that those returns have gone beyond all that. So, instead of taking this as an isolated event and being overly afraid, let's take this as a good opportunity. For investors, when a crisis like this comes, it's a good buying opportunity.

[00:06:20]What's one thing they shouldn't do? They shouldn't invest everything at once. Whether it's the market or [investment] mutual funds, if you phase out and invest that 5 lakhs or 10 lakhs at once, you can manage that risk to some extent. When we are in those volatile markets, we need to manage that surplus very efficiently. There are no SIPOs like this. These STB- like schemes allow us to put 5 lakhs in a liquid fund and transfer a certain amount from that fund to equity funds every month.

[00:06:53]When we implement that scheme, we do n't have to do it all at once. At the same time, this 5 lakhs will generate returns in another liquid fund. Whether it's 3% or 4%, these liquid funds will yield returns that are in line with that. At the same time, Equitable Face Biface will come and invest that money.

[00:07:11]They can implement such plans.

[00:07:14]Okay, now there are investors putting in. Now, an NRI who might be in the Middle East is interested in coming and investing with him. I'm interested in going into the mutual fund segment. Now, how can people who are in such a putting stage come and access mutual funds? What kind of funds can they invest in?

[00:07:28]It comes to that, how many years can they invest now, five years, 10 years, and so on, and he has just started earning. He has five, five, 10 years, so he has time, so to some extent, that age is important.

[00:07:42]Now, let's assume 30 years, 30, 35 years, and he has a risk-taking capacity.

[00:07:54]He can invest for the next 15, 20 years. The waiting time, that is, in equity, is better than investing for three or five years.

[00:08:12]We have seen that compounding equity-oriented assets do a good job when they invest for 10, 15 years. When we look at the past track record, we see that they invest on a long-term basis, so they can start with a small amount, that is, now. He is a budding investor. This is his first time investing.

[00:08:24]So, instead of investing everything at once, he can invest little by little and see what the experience is like.

[00:08:35]He can start with an SIP system, there are a lot of opportunities there. Right now, there are a lot of banks in the Middle East, a lot of India-centric funds, so the companies that can be here are the ones that operate there, and there are banks and branches of mutual fund companies. So there are a lot of opportunities. What they need to do is two or three things: one, what is their steady monthly savings; second, how many years do they have for that investment period; what is their objective; how many years can they hold it? If they know all three, they have a lot of opportunities. What is the rule? If they are young, that is, they have just started their career. If they are a little more aggressive, that is, they invest in a mid-cap fund instead of a large-cap fund, that time and that growth will be exceptional. Now, a lot of middle- aged people, 40, 40, 45 years old, come and put it on a large cable instead of a medium cable, which gives them stability. So when we look at that age and category of funds, when they are young and energetic, they have a waiting time of 15 to 20 years. If there was some risk-taking capacity, then we could position ourselves to have aggressive funds. So, those three things they have, savings, financial goals, objectives, 10 years later, some people come and say, "I'm going to work here for 10 years." Maybe the intention is to return to my homeland after 10 years and do whatever I can here, or to invest the money I have and generate my own income from it. So if you know what the purpose of something like this is, it would be perfect to come and design it.

[00:10:21]Because if they come now and want it 10 years later, then there shouldn't be a slow growth investment. Those returns should come in a little bit and be aggressive.

[00:10:36]They should take the opportunities to accumulate as much as they can in those 10 years. Now, before investing in schemes like mutual funds, what are the basic things an investor should know? The basic thing is, what are the NRIs now, what are their legal regulations, what is an NR account, what kind of accounts should be maintained, what are the KOC norms, what are the procedures? It's time for everyone to come and go through it. I need to come here and see the procedures, there's all that documentation. What do you want to know, then? What are they and what are their needs?

[00:11:10]That is very important. So, whatever investment we make, the goal for which we invest is very important, very important, because only then can we adjust those returns.

[00:11:20]Now I'm saying that now, in 10 years, I need a substantial amount of money.

[00:11:25]I need a lump sum.

[00:11:26]After 10 years, I will be uncertain whether I will stay here or come back. I will spend the rest of my life on that.

[00:11:34]I will manage it to some extent. Then, I will maximize those returns.

[00:11:42]What is the secondary primary objective of safety? Then, maximization of returns. That's very important. Even if you maximize it, you wo n't be able to maximize it to that extent without investing in large cables.

[00:11:54]You can maximize it by making a little aggressive mid-cap bundling. Now let's take an example.

[00:11:57]A father comes and thinks about investing for his child's education.

[00:12:00]That's the goal. He thinks that he should come and invest in the child's education and magic. Similarly, he comes for a child's wedding and thinks about investing a lump sum for future planning. If someone else comes along and sees it, he thinks he should invest for his retirement. Now all of them are 35 years old, so how should we create their investment pattern? That is, all three of them can be in different periods.

[00:12:30]Now, education comes first.

[00:12:32]That is the first thing that can come immediately. Because next time, let's assume that the child is three years old. So, in 15 years, they will be 17, 12 years, 15 years, 14 years, and they will have to go to college for that education. So, it's one thing to calculate that it's been like that for 15 years.

[00:12:50]Next, when you look at things like that marriage, you get another 20- year cap. So when you look at this person's retirement, they get a time frame when they retire in 35 years and 25 years. There are time frames like 15 years, 20 years, 25 years. So, when you look at all three of these, the risk ability to match those returns to some extent, that is, 15 years is a good time to come.

[00:13:16]Investing in an equity, going through those cycles, going through those cycles, and getting returns is a good time frame, so 15 to 25 years is a good time frame. Whatever you do, now that he's retired for 25 years, he'll have a little bit of a long time. When their waiting time comes, which is 20 to 25 years, that approach can be changed to be more aggressive. Because if he is still a normal large-cap fund or a high-growth company, and becomes mid-cap oriented, that aggressive approach will come in and reduce returns. There will be a compulsion to come here and get education at the age of 17, which is something that has been going on for 15 years. That means you have to come and join college at that time. That child is two years old, or 15 years old, and that's the deadline.

[00:14:13]So you can't take too much risk with that. So what should I do? If so, how can a beginner do it?

[00:14:18]If so, I should invest aggressively for five to 10 years and then gradually reduce that approach in the last five years and move towards a little safety. Thank you sir, a quick conversation. Viewers, you must have watched this video in its entirety. If you have any specific questions, please let us know in the comments section. To watch more upcoming business and related videos on the Idi Tamil channel, click the subscribe button below.