Work because you want to.
Not because you have to.
Fee-only advice for NRIs: your India and global money, every account in your name.Fee-only advice for NRIs, across India and global markets. We build the plan and do the investing, every account in your name.
Free, no sign-up. Takes under a minute.Fee-only. Assets always in your name.
Fee-only
No commissions, nothing sold to you
Regulated in the UAE and India; SIPC covers eligible US brokerage accounts
Assets in your name
Custody at Alpaca and your own folios
India and global in one plan
Planning, investing and review together
Why it matters
Funds, property, cash and insurance across two countries. Each bought on its own, never planned as one.Funds, property, cash and insurance across two countries. Each bought on its own, never planned as one portfolio.
How much is enough?
What belongs in India and global markets?
What's the right mix across assets, India and global?
Different products, different advice. No one owns the complete picture.
What a strategy actually is
Allocation first. Then the right funds.
First the mix of your money, India and global, growth and income. Then the low-cost funds that fill it. We set both as one plan.
Allocation
Selection
Low-cost funds for each slice, chosen with no commission at stake.
One view of everything
Every part of your financial life. One connected plan.
India funds, global ETFs, goals and cash. One view, kept current for you.Your India mutual funds, global ETFs, goals and cash in one place, kept current by the people who run it with you.
Your portfolio value
USD 255,000
Invested USD 232,000 · Gain USD 23,000 · XIRR 9.8%
Global · ETFs
Diversified, in your name
USD 99,000
+ USD 9,000
India · mutual funds
Direct plans, held in your name
INR 1.40 Cr
+ INR 12.60 L
Illustrative portfolio, not a forecast. India values at about INR 90 per USD.
A guide, not a product
We engineer portfolios. We don't sell products.
Your fee is our only revenue. No commissions, nothing to sell you.Your fee is our only revenue. No commissions, no spreads, no incentive to sell you anything, so every recommendation is made for one reason: it is right for you.
One plan across India and the UAE. You choose how far we walk with you.One plan across your India and global money. Planning only, investing only, or both: you choose how far we walk with you.
Plan
A written plan for India and the UAE. You carry it out.
USD 299 a year
Paid upfront, includes a review during the year
Min. None
Invest
Automated portfolios, with human support when you need it.
USD 0.99 per month
or 0.25% p.a., whichever is higher
Min. USD 500
Wealth
RecommendedA dedicated adviser runs one plan across your India and global money.
0.50% p.a.
or USD 24.99 per month, whichever is higher
Min. USD 25,000
Private
By invitationA senior team and custom portfolios for more complex needs.
5% performance fee
Only above your High Water Mark
Min. USD 250,000
Plan
A written financial plan across India and the UAE, by your adviser. You carry it out wherever you like.
Fee
USD 299 a year
Paid upfront, includes a review during the year
Portfolio minimum None
What you get
- Income, expenses and loans
- Investments and retirement
- Insurance, will and estate
- Tax planning and India ITR filing
- A yearly wealth review
Invest
Automated portfolios with intelligent oversight. A clear, disciplined plan with a low time commitment, and human support when you need it.
Fee
USD 0.99 per month
or 0.25% p.a., whichever is higher
Portfolio minimum USD 500
What you get
- Automated portfolio rebalancing
- Data-driven insights
- Global diversification
- Goal-based investing
Wealth
Do it with me: a dedicated adviser builds and runs one coordinated strategy across your India and global money, an ongoing partnership with quarterly reviews.
Fee
0.50% p.a.
or USD 24.99 per month, whichever is higher
Portfolio minimum USD 25,000
What you get
- Everything in Invest, plus:
- Dedicated advisor access
- Financial planning
- Quarterly portfolio review
Private
Performance-aligned wealth management for more complex needs: a senior team, custom construction, and a higher-touch service.
Fee
5% performance fee
Only above your High Water Mark
Portfolio minimum USD 250,000
What you get
- Everything in Wealth, plus:
- Dedicated senior advisor
- Income portfolios
- Custom portfolio construction
Invest and Wealth are fee-only. Private adds a performance fee only on gains above your high-water mark.Invest and Wealth are fee-only. Private adds a performance fee, charged only on gains above your high-water mark, so we are paid to grow your wealth, never to sell you a product.
Independent and fee-only
You don't need a large portfolio to start.
Hire us for the plan alone, USD 299 a year. No portfolio minimum.Hire us for the plan alone, USD 299 a year with no portfolio minimum, and carry it out wherever you like. Or have us build and run it for you. Planning, execution, or both, you choose.
Financial planning and tax planning are provided by RuDo Wealth Investment Advisory, a SEBI Registered Investment Adviser (INA000019503).
Book a planning sessionNo surprises. No hidden costs.
What people ask first, answered upfront.The questions people ask before they trust anyone with their money, answered upfront.
Fund-level charges, custody, or currency-conversion costs, where they apply, are the provider's own and are always shown before you act.
A plan for your whole financial life, and someone accountable for running it.
A plan for your whole financial life
Your goals, cash flow, tax, insurance and debt in one plan, not just a list of funds.
Investments connected to real goals
Built around what your money needs to do and when, not what happens to be popular.
Protected for what is close
Money you need soon is kept safe and separate, so a bad year does not derail a near goal.
One clear fee, nothing sold to you
Fee-only advice. No commissions, no products pushed. What is right for you is our only job.
How trust should work
Advice you can examine.
The reasoning, the risks and the cost of every recommendation, in writing.
The reasoning, shown
Every recommendation comes with why we made it and what it will cost, not just what to do next.
The trade-offs, named
Some decisions involve real trade-offs. We show them clearly, rather than smoothing them over.
The caveats, stated
Where an answer depends on your tax residence or your circumstances, we say so, and we tell you to confirm it.
That is how trust should work.
How it works
Not a PDF. Accounts open, money moves, and someone runs it with you.Not a PDF. Accounts open, money moves, and someone runs it with you.
- 01
Understand
See your Freedom Income, then a 30-minute call.
- 02
Plan
One written plan for your India and global money.
- 03
Execute
Accounts open in your name. We never hold your money.
- 04
Monitor
One dashboard, quarterly reviews, rebalanced only when the plan drifts.
Understand
Find your Freedom Number, then a 30-minute call. We map your goals and what you already hold, across both countries.
Plan
One written plan across India and global markets. No product to sell you.
Execute
Accounts open in your name. RuDo instructs, but never holds your money.
Monitor
One dashboard for both countries. A quarterly review, and we rebalance only when the plan drifts, not when the news does.
Your money is never with us
Every account is in your name at a regulated institution. Global holdings sit at Alpaca Securities LLC (SEC registered, FINRA and SIPC member, SIPC protection up to USD 500,000). RuDo advises; it does not hold client money.Every account is in your name, at a regulated institution. Global holdings sit at Alpaca Securities LLC, a US broker-dealer, SEC registered and a member of FINRA and SIPC, with SIPC protection up to USD 500,000. RuDo advises and instructs. It does not hold client money.
You're doing the hard part. But a pile of investments is not a plan.You are doing the hard part. But a pile of investments is not a plan.
No one has shown you the number you need, or whether you are on course to reach it.
Some in savings, some in funds, a policy someone sold you. No single picture, and nothing holding it together.
A home, your children, your parents, your own retirement. Each is a goal with a date, and they all compete for the same money.
Tax across two countries, the right cover, clearing debt, and holding steady when markets fall. That is what builds real wealth.
Freedom income
Enter what you invest each month. See the income it could pay you for life. No sign-up.Enter what you set aside each month and see the income it could pay you for life. Free, no sign-up.
Calculate my Freedom IncomeIllustrative. Income is an estimate that grows with inflation, not a guarantee. Returns are not guaranteed.
Illustrative. Income is an estimate that grows with inflation, not a guarantee. Returns are not guaranteed.
For NRIs
Your money spans more than one country?
One plan for your India and global money. NRE/NRO and cross-border tax handled.One plan across your India and global money, dual-regulated (FSRA and SEBI), with NRE/NRO and cross-border tax handled.
Portfolios built from direct plans and low-cost ETFs, chosen by fit and cost, never because anyone pays us. A selection from names like these.
India · asset management companies
HDFC
ICICI Prudential
SBI
Axis
Kotak
Nippon India
EdelweissGlobal · ETF providers
Vanguard
J.P. Morgan
PIMCOFund houses and ETF providers shown are examples of what we may recommend. They do not endorse, sponsor or partner with RuDo. Recommendations depend on your plan, goals and risk.
Free Financial Calculators
Free tools for SIPs, retirement and early freedom.Plan your investments, retirement, and financial independence with our free tools
Research funds and ETFs
Free, data-first comparisons of Indian mutual funds and global ETFs, written for NRIs.
Indian mutual funds
Every fund in a category side by side, from its own NAV.
- Large Cap funds
- Mid Cap funds
- Small Cap funds
- Flexi Cap funds
- ELSS tax saving funds
- Index funds
- Liquid funds
- Fund screener
Global ETFs
ETFs grouped by what they hold, compared on returns, risk and cost.
- S&P 500 ETFs
- Global equity ETFs
- Emerging markets ETFs
- US Treasury ETFs
- Gold and silver ETFs
- Technology ETFs
- ETF screener
- Global markets
For investors in the UAE
US-listed or Irish UCITS: cost, domicile and US tax, fund by fund.
- SPY vs VOO vs CSPX
- VT vs VWRA vs IWDA
- QQQ vs QQQM vs CNDX
- GLD vs IAU vs IGLN
- TLT vs IDTL vs DTLA
- Can NRIs invest in Indian mutual funds?
- US estate tax for NRIs
- NRI mutual fund tax
In The Press
What leading publications are saying about RuDo Wealth and cross-border advisory for NRI professionals.
RuDo works with NRIs whose financial lives may include income, investments, responsibilities or future plans across India and other countries. Availability depends on your country of residence and the regulated entity permitted to serve you.
Where the service permits, RuDo can consider existing investments as part of the wider financial and investment-planning process. The purpose is to understand how they fit with your goals, risk and overall portfolio.
Eligibility depends on your residence, citizenship, account structure, applicable regulations and the investment concerned. RuDo will explain the available scope before providing a service.
RuDo does not accept product commissions for recommending investment products. This applies across every plan, entity and provider relationship.
Assets are held in your name with the relevant regulated custodian, broker, fund house or financial institution. RuDo provides advice and, where permitted, investment management or arranging services. The exact arrangement is confirmed for each service before you begin.
Fees depend on the RuDo plan you choose. The fee is shown clearly on the relevant plan page, together with any applicable provider, custody, transaction or fund costs.
RuDo can consider tax implications as part of financial planning where this falls within the relevant service scope. Tax treatment depends on your residence and individual facts. Confirm your position with an appropriately qualified tax professional.
Protection is considered as part of your plan. RuDo reviews whether your health, life and critical-illness cover is appropriate for a cross-border life, so you are protected without being sold cover you do not need. RuDo is fee based and does not earn insurance commissions. Where a policy is arranged, it is placed through an appropriately regulated and qualified provider.
Succession is planned early as part of the wider picture: how wealth is held, nominations, and cross-border estate considerations across the countries connected to your money. Drafting wills and formal estate documents is carried out with appropriately qualified legal or estate professionals, coordinated alongside your financial plan.
Yes, this is a common part of an NRI plan. RuDo can help organise your parents' income, health cover and everyday money, and put a plan in place for the years ahead, so they are looked after even when you live abroad. What can be advised on or arranged depends on the relevant regulated entity's scope and your parents' own residency and consent.
A change of residence can affect account eligibility, taxation and the services RuDo is permitted to provide. Inform RuDo before a move so the available options can be reviewed.
Yes. Book an initial conversation to understand the service, scope, fee and whether RuDo can serve you in your country of residence.
The destination is yours
What are you building towards?
Freedom looks different for everyone. Start by seeing what yours could pay.Financial freedom does not look the same for everyone. RuDo helps you define what it means for you, build a plan around it, and keep moving towards it.