Wealth advice for NRIs
Your wealth spansIndia and the world.Your strategy should connect it.
RuDo brings your investments, responsibilities and future plans into one coordinated strategy, and stays alongside you the whole journey.
For NRIs living in the UAE and other eligible jurisdictions. Availability of services depends on your country of residence.
The milestones on the path
The regulated entity and registration details shown to you depend on your jurisdiction. The Indian and UAE entities are separate and are not presented as one regulated identity.
Why a single strategy matters
Indian funds, global investments, property, cash and insurance are often managed separately, each with its own adviser. The harder question is whether anyone is responsible for how they work together.
Questions no single product answers
How much is enough?
What belongs in India and global markets?
How should the portfolio balance growth, income and risk?
Different products. Different advice. No one responsible for the complete strategy.
One coordinated strategy
Not a dashboard to check. One plan that decides what you hold in India and globally, how it is split, and when it moves, built and run with you.
India and global,
one strategy, in your name.
The target strategy
India-anchored,
globally diversified
India portfolio
Your home market, kept as the core anchor
Global portfolio
Diversified across US, Europe, Japan and emerging markets
Illustrative portfolio and target allocation, not a recommendation or a forecast. India values shown at about ₹90 per USD. RuDo advises on Indian and global markets; it does not deal in local UAE market products.
We do the heavy lifting
Once the strategy is agreed, RuDo does the work: consolidating duplicate holdings, adjusting the balance between India and global markets, and directing future savings toward your goals, all under one plan.
Current position
One household. Multiple holdings.
Agreed strategy
A balanced, long-term portfolio.
household
Action plan
From clarity to progress.
Illustrative of the approach, not a recommendation or a projection. RuDo advises on Indian and global markets; it does not deal in local UAE market products.
A complete plan
Real security is more than a good portfolio. One plan that also holds your protection, your parents in India, your home and liabilities, and how it all passes to the next generation.
What RuDo advises on directly depends on your country of residence and the relevant regulated entity’s scope. Some areas are considered as part of your plan and coordinated with appropriately qualified specialists, such as tax advisers or estate professionals.
Start with a clear read
Link your Indian mutual funds with your PAN through MF Central, inside the RuDo app, for one view of everything you hold. You get a health score that surfaces fund overlap, concentration and the specific gaps worth fixing, a diagnosis you can act on, and you can start before you invest anything with RuDo.
Portfolio health
ExampleSolid base, three fixable gaps
Each gap below becomes a step in your plan.
Illustrative result. Your score reflects your own holdings.
Planning first, always
Planning is the core of what we do, and execution keeps it real. RuDo is not a portfolio reporting app. You get a strategy, an adviser to talk it through, and the help to put it into action, all in one relationship.
It starts with a conversation, not a form.
Book a 30-minute Google Meet with Alok Kumar, RuDo’s founder and principal adviser. Talk through where you live, what you have built and what you want your money to make possible, and see exactly how RuDo would plan it with you.
Alok KumarFounder and Principal Adviser
Understand
Your full position
Your finances, family responsibilities, existing investments, goals and the countries your money touches.
Plan
The strategy
The core of everything. A clear strategy for your India and global wealth, with the reasoning, risks and trade-offs behind each call, talked through with you before anything moves.
Put into action
Agreed actions, underway
We help you carry out the agreed plan through regulated providers. Your assets stay in your name with the relevant custodian.
Review
Kept on course
Your adviser keeps the plan relevant, adjusting only when your circumstances, goals or the assumptions change.
Your money is not held by RuDo.
Client assets are held in the client's own name with the relevant regulated custodian or financial institution. The exact arrangements for Indian and global investments are confirmed with you before you begin.
Why RuDo
Built from nearly two decades of investment experience.
RuDo was created for people whose financial lives no longer fit inside one account, one product or one country.
After years of working in investment management, Alok Kumar saw the same problem repeatedly. People were earning well and building meaningful wealth, but their financial decisions remained scattered.
RuDo brings those decisions together and gives each client one person who understands their complete financial picture.
“A client should understand what they own, why they own it and how each decision supports the life they are building.”
Alok Kumar
Founder, RuDo Wealth. Nearly two decades in investment management, across India and global markets.
You should be able to understand what is being recommended, what it may cost and which risks are involved.
FSRA + SEBI
Regulated in ADGM and India
Fee-only
No product commissions, ever
In your name
Assets held with regulated custodians
~2 decades
In investment management
The reasoning is shown
Each recommendation should explain what it is intended to achieve and why it fits within the wider plan.
The trade-offs are named
Some decisions involve genuine compromises. We explain them rather than smoothing them over.
The fees are visible
RuDo's fee is stated before the relationship begins, together with any associated provider costs.
The caveats are stated
Where an answer depends on tax residence, citizenship, product eligibility or personal circumstances, we say so.
That is how trust should work.
Regulated entities and terms
India
- Entity
- RuDo Wealth Investment Advisory
- Registration
- SEBI Registered Investment Adviser, INA000019503
- Scope
- Investment advice under SEBI Investment Adviser regulations
UAE
- Entity
- RuDo Digital Wealth
- Permission
- FSRA Financial Services Permission 220155, Category 3C (Retail), ADGM
- Scope
- Regulated financial services under FSRA permissions
- Fee model
- Fee based. No product commissions.
- Custody
- Assets held in your name with the relevant regulated custodian.
- Complaints and contact
- A defined complaints route is provided in your client agreement.
The Indian and UAE entities are legally distinct and are not combined into one regulated identity. The entity that serves you depends on your country of residence.
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.
From a digital investment service to an ongoing private wealth relationship. Invest is a digital, non-advisory investment service. Wealth and Private are personal advisory relationships.
Invest
NRIs who want a globally diversified portfolio managed for them, without a personal advisory relationship.
Fee
USD 0.99 per month
or 0.25% p.a., whichever is higher. First 90 days free. Billed monthly in arrears.
Portfolio minimum USD 500
- Advice
- A digital investment service, not personal financial advice.
- Implementation
- Managed automatically through the platform.
- Review
- Continuous, automated.
- Legal entity
- UAE: RuDo Digital Wealth (FSRA)
What you get
- Automated, globally diversified multi-asset portfolio
- Ongoing rebalancing
- Full platform access
Wealth
NRIs who want a dedicated adviser to plan their Indian and global finances together.
Fee
0.50% p.a.
or USD 24.99 per month, whichever is higher. Billed monthly in arrears.
Portfolio minimum USD 25,000
- Advice
- One to one personal financial advice.
- Implementation
- Adviser guided, through regulated providers. Assets held in your name.
- Review
- Quarterly, and when your circumstances change.
- Legal entity
- Relevant regulated entity for your jurisdiction
What you get
- Dedicated adviser and access to a human adviser
- Comprehensive financial and investment planning
- Quarterly reviews
- Full platform access
Private
NRIs with more complex wealth who want a bespoke strategy and senior oversight.
Fee
5% performance fee
Only on gains above your High Water Mark. No management fee. Billed annually or on redemption.
Portfolio minimum USD 250,000
- Advice
- Private wealth management.
- Implementation
- Bespoke, through regulated providers. Assets held in your name.
- Review
- Ongoing.
- Legal entity
- Relevant regulated entity for your jurisdiction
What you get
- Bespoke strategy
- Access to a dedicated adviser
- Comprehensive planning and coordination
RuDo does not earn product commissions. Private uses a performance fee, which is charged only on gains above your portfolio's previous high. The full method, applicable high water mark and conditions are set out in the plan disclosure. Suitability depends on your needs and circumstances.
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
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 making the decisions that support it.
Start with an initial conversation about where you live, what you have built and what you want your money to make possible. It is not personal investment or tax advice, and availability of regulated services depends on your country of residence and circumstances.