Kashish 
A medical bill, a job loss or an urgent home repair rarely comes with a warning. When it does arrive, the families who cope best are not necessarily the richest. They are the ones who planned for it. Family financial planning is the habit of building protection first and growth second, so that one bad month never forces you to sell your investments or borrow at high interest.
Gold has been a household favourite in India for generations, but buying jewellery or coins is no longer the only way to own it. Today, you can hold gold in paper form through two popular routes: the gold ETF and the gold mutual fund. The Gold ETF vs gold mutual fund question confuses many investors, because both track the price of gold and look almost identical on the surface.
On October 8, 2026, the US Department of Labor suspended eight employers from the PERM labor certification programme: Microsoft, Adobe, Cognizant, Infosys, Tata Consultancy Services (TCS), Wipro, HCL and Capgemini. Officials cited alleged fraud and active federal investigations.
Two ETFs can track the same S&P 500 and own the same Apple, Microsoft and Nvidia shares. Yet one can leave you with a different tax bill, a different cost drag and, in the worst case, a very different outcome for your family.
Retirement income planning in India means turning a one-time corpus into a monthly “salary” that rises with inflation and lasts 30 years or more. The most dependable way to do it is to give every rupee one of three jobs (cover near-term spending, provide stable income, or grow for later) and to start withdrawals at 3% to 3.5% of the corpus rather than the 4% rule imported from the US.
If you’ve received an email stating, “Our records indicate that you may have overseas financial interests,” do not worry; the department has been sending this exact message to a large number of taxpayers whose data suggests they may hold foreign bank accounts, shares, RSUs or ESOPs, property, or other overseas assets that were not reported in their Income Tax Return.
For most US NRIs, income tax planning gets all the attention. FBAR filings, FATCA disclosures, foreign tax credits — these are the compliance obligations that show up every April. But the taxes that tend to do the most damage
Here’s an uncomfortable number to start with: in a 2025 survey by 1 Finance, 57% of bank relationship managers admitted to pushing products rather than giving advice suited to the client. That’s not a fringe statistic — it’s the person sitting across the desk at your neighbourhood bank branch, recommending a “great fund” that happens to carry a fat upfront commission.
If you’re an NRI earning rent from a flat in Bengaluru, dividends from Indian mutual funds, or interest on an NRO deposit — while also filing taxes in the US, UK, or paying zero tax in the UAE — you’ve probably wondered: does this income get taxed twice?
If you work at a large tech company, RSUs (Restricted Stock Units) are probably the single biggest line item on your balance sheet — bigger than your savings account, bigger than your mutual funds, sometimes bigger than everything else combined.
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