LinqTo.me : Listing all wealthmunshi's publicly accessible post-its

wealthmunshi

Last Activity Date: Tuesday, December 2, 2025

Published Notes	Created:	150	Published Links	Published Folders
	Shared:	147

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Step 3: Periodic Review and Rebalancing Discipline

A bucket strategy is not a "set it and forget it" plan. Markets move, and your allocation will drift. If equities have a strong year, your Bucket 3 (growth) may become too large relative to your other buckets, exposing you to more risk than intended. If you have a ...

http://linqto.me/n/kyjs

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wealthmunshi

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The Dynamic Glide Path: How AI Automates Your Goal's Risk Reduction

A fixed asset allocation is a recipe for disaster in goal-based investing. The portfolio that is perfectly appropriate for your child's education goal when they are 5 years old (aggressive, 80% equities) is far too risky when they are 15 years old. A stock market ...

http://linqto.me/n/kycg

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wealthmunshi

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The MITRA Portal: How SEBI Helps You Reclaim Dormant Mutual Funds

The SEBI MITRA portal (Mutual Fund Investment Tracing and Retrieval Assistant) is a centralized search engine for unclaimed mutual fund folios. It aggregates data from all Asset Management Companies (AMCs). If you have a mutual fund investment that has seen no ...

http://linqto.me/n/kxad

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wealthmunshi

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The FEMA Limit: Why Your NRO Repatriation Cap Requires Tracking

If you invest through NRO accounts, you face a $1 million annual repatriation cap. If you sell a property or redeem a large mutual fund, you could easily exceed this limit, leaving funds trapped in India. A global asset tracker must monitor your aggregate NRO ...

http://linqto.me/n/kwno

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wealthmunshi

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Does Tax-Loss Harvesting Work for Listed Bonds and Debentures in India?

Equity and mutual funds dominate tax-loss harvesting discussions, but listed bonds and debentures also generate capital gains or losses. Their treatment under Indian tax law offers both opportunities and limitations.
Classification of bonds:
Listed bonds (e.g., ...

http://linqto.me/n/kwde

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wealthmunshi

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The Value Averaging Advantage: How to Accelerate Goal Funding

Dollar-cost averaging (DCA) invests a fixed amount monthly. Value averaging (VA) invests a variable amount to ensure the portfolio reaches a target value by a specific date. VA buys more when markets are down (to "catch up" to the target) and ...

http://linqto.me/n/kvys

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wealthmunshi

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The $50,000 Gift Trap: Why Sending Money to India May Trigger IRS Filing

Many NRIs send money to India to support parents, pay for weddings, or fund property purchases. In the US, the annual gift tax exclusion is $18,000 per person (2026). If you give more than this to a single person in a calendar year, you must file Form ...

http://linqto.me/n/kvgb

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wealthmunshi

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The FEMA Barrier: Why Your NRO Account Is Under Extra Scrutiny for Heirs

Non-Resident External (NRE) and Non-Resident Ordinary (NRO) accounts face additional scrutiny under FEMA regulations when transferring funds to resident beneficiaries. Even with a valid will, the process can be slow. NRO accounts hold income earned in India (rent, ...

http://linqto.me/n/kupp

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wealthmunshi

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The 68% Compliance Statistic: Why Most NRIs Face Issues During Wealth Transfer

Research shows that 68% of NRIs encounter compliance issues during wealth transfer without specialized integrated advisory support. This is not a small number; it is a majority. The causes are many: unfunded trusts, conflicting beneficiary designations, missed ...

http://linqto.me/n/ktoj

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wealthmunshi

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The RNOR Transition: Why Your Residency Status Affects Both Retirement and ...

When you return to India after years abroad, your tax residency status does not change overnight. There is a transition period, known as RNOR (Resident but Not Ordinarily Resident), where you benefit from resident status for Indian taxation purposes while ...

http://linqto.me/n/ktjy

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wealthmunshi

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