bank upon and it is a good idea to be aggressive about building and growing it during the phase when the income is more than adequate treat the corpus with great care on return and do not entertain requests from hangerson for funding their own needssixth earmark the uses for your assets as you build them if a specific sum is needed for the childrens education save and invest for that goal and ensure that if is fully funded if you plan to set up a business and want to invest capital into it make sure you have a business plan and know the amount of initial capital and working capital you will need do not compromise on the routine income needed by investing a disproportionate amount of money into a business if you plan to sell off old property to buy a new one or plan to renovate what you already hold allocate a budget and ensure that it does not consume too much of your corpus list all bigticket demands on your corpus and test your corpus for adequacy before returningif you have 1012 years to return to india your focus should be on ensuring that your wealth is primarily made up of financial assets 6070 some inevitable property 2030 and some unavoidable gold 1020 you should ensure that your assets grow in value while you are there and offer the potential for income when you return ideally your assets should not require costs taxes expenses and upkeep when you return but be available to use as required you should prepare for augmenting the income that your investments will offer with a second career the groundwork for the second career or business should be made even as you are preparing to return so the transition is smoother you will operate from a position of need panic or urgency if you begin your groundwork after returning do not underestimate the toll the transition will take on your professional and personal life buffer your wealth to serve as your pillar of support your wealth should be available to use and not be a mere number that provides social acceptancethe author is chairperson centre for investment education and learning