Is Your Wealth Truly Prepared for the Next Generation?

Many Indian parents build wealth in India.
Their children build lives abroad.

Assets stay local. Heirs go global.

That gap creates risk.

Without proper planning, succession becomes slow, costly and complicated.

Here are three mistakes you should avoid.

1. Holding Government Schemes That Don’t Work Cross-Border

PPF. Post Office schemes. RBI bonds. Small savings products.

They feel safe.

But they are not designed for cross border inheritance.
Documentation hurdles, operational restrictions and limited flexibility can create unnecessary stress later.

Stability is important.
But transferability is equally important.

2. Overconcentration in Illiquid Real Estate

Multiple properties often form the largest part of family wealth.

For NRI heirs, this can mean delays, legal complexity and difficulty managing assets remotely.

Real estate is not wrong.
Overconcentration without succession planning is.

Liquidity and clarity simplify transition.

3. Failing to Create a Clear Estate Structure

This is the biggest gap.

Without a properly structured and registered will, families may face procedural delays, account freezes and coordination issues across countries.

Cross border families need documented clarity, not verbal understanding.

The Real Question

If something happens tomorrow, would asset transfer be simple or chaotic?

Wealth creation is only half the job.
Wealth transition is the other half.

Very few families plan for both.

What You Should Do

1. Rebalance Smartly
Reduce reliance on legacy schemes that don’t transfer smoothly across borders.

2. Improve Liquidity
Avoid overconcentration in real estate. Add financial assets that are easier to manage and inherit.

3. Create a Proper Will
A registered estate plan brings clarity and prevents delays.

4. Keep Documentation Clean
Organised records simplify transition for global heirs.

How Pivot Money Helps

Pivot Money works with Indian families and NRIs to bring structure to cross border wealth.

• We help you review your entire financial picture from a succession lens.

• We align investments with long term family goals.

• We reduce unnecessary complexity and concentration risk.

• We guide you on estate structuring so your wealth moves smoothly across generations.

No product pushing.
No commission bias.

Just independent, fiduciary advice designed for modern global Indian families.

Smart planning today creates clarity tomorrow.