SRAY GLOBAL WEALTH

For many NRIs and HNIs , the decision to leave India was driven by opportunity. But what if part of that hard-earned wealth could be protected — or even grown — by returning to India for life’s most essential services? In a world of rising global costs, especially in the UK, US, and Europe, India offers a compelling value proposition in two critical areas: healthcare and professional education. These aren’t just services — they’re strategic tools for wealth preservation. 💉 Healthcare: World-Class Care at One-Tenth the Cost Real Story: Sanjay Mehta , a UK-based NRI, was quoted £35,000 for a knee replacement in London. Instead, he flew to Medanta Hospital in Gurugram , where he received the same procedure — with internationally trained surgeons and modern facilities — for under ₹7 lakh (~£6,500). He saved nearly ₹30 lakh, avoided long NHS wait times, and recovered in a private suite with personalized care. 🏥 Facilities & Quality of Care Skill & Competency of Medical ...

 By  Yogesh S. Pandey  —  Certified Financial Wellness Coach  | Trusted by 2,000+ investors  “As UK taxes rise, GIFT City Fund of Funds offer NRIs and foreign nationals a tax‑smart gateway to global wealth creation.” The UK’s latest budget has sent ripples across the wealth management world. With inheritance tax tightening, capital gains allowances shrinking, and fiscal drag pulling more high earners into higher tax brackets, wealthy individuals are asking: Where can I diversify globally without being penalized by rising taxes? One answer is emerging strongly: India’s GIFT City (IFSC) — and specifically, the Fund of Fund (FoF) products launched here by leading asset managers like Parag Parikh , Edelweiss , and Nippon India . 🔑 Why GIFT City FoFs Are a Game-Changer 1. Tax Efficiency Capital gains exemptions on certain instruments at maturity. No stamp duty and reduced transaction costs. DTAA benefits ensure investors don’t suffer double ...

    By  Yogesh S. Pandey  —  Certified Financial Wellness Coach  | Trusted by 2,000+ investors You’ve been told to save. So you did. You opened a savings account. You parked your money. You felt secure. But here’s the truth: your savings account isn’t saving your money. It’s slowing it down. 📉 The Illusion of Safety Most savings accounts in India offer 2.5% to 3.5% interest . That’s before tax. Now subtract inflation—currently hovering around 5–6% . What you’re left with is negative real returns . Your money looks safe. But it’s quietly losing value. Let’s break it down: That’s not saving. That’s erosion. 💡 What Actually Saves Your Money? Debt Mutual Funds . Especially liquid, ultra-short, and short-duration funds . These instruments offer: ✅ Returns of ~6–7% annualized ✅ Low volatility ✅ T+1 liquidity (money back in 1 working day) ✅ Tax efficiency (especially with indexation after 3 years) They’re designed for people who want a...

  By  Yogesh S. Pandey  —  Certified Financial Wellness Coach  | Trusted by 2,000+ investors (Learn from real-life examples, not regrets) 🧠 Intro: The Truth About Early Money Mistakes Most young earners feel invincible — the first salary hits, the independence feels amazing, and suddenly… the debit card starts glowing 🔥. But small financial mistakes in your 20s or early 30s compound faster than your returns . And fixing them later can cost you years of peace, freedom, and opportunities. At SRAY Global Wealth , we’ve seen this story unfold hundreds of times — across clients, colleagues, and friends. Let’s double-check what usually goes wrong… and how you can steer clear.  ⚠️ 1. No Emergency Fund — “It won’t happen to me!” Reality check: Life doesn’t wait for your paycheck. 🧩 Example: Riya (26) lost her job in a tech layoff. With no emergency savings, she used credit cards for rent and EMIs , leading to ₹1.5 lakh debt in just 3 months. 💥 Consequence: ...

  By  Yogesh S. Pandey  —  Certified Financial Wellness Coach  | Trusted by 2,000+ investors In today’s fast-changing financial landscape, many individuals are searching for ways to secure their future, fulfill personal goals, and build wealth steadily. One option that has gained widespread acceptance across India is mutual fund investing —a flexible, transparent, and goal-oriented approach to financial planning. This article explores how mutual funds can support long-term aspirations, with real-life examples that illustrate their practical impact. 🧭 What Are Mutual Funds? A mutual fund pools money from multiple investors and invests in a diversified portfolio of stocks , bonds , or other assets. These funds are managed by professional fund managers who aim to generate returns while managing risk. Key Features: • Diversification : Reduces exposure to individual asset volatility. • Liquidity : Easy to enter and exit compared to fixed assets . • Accessibi...