About Vested
Vested is a publication for Indian residents who want to invest in US markets and manage RSUs without getting lost in jargon, half-baked Reddit threads, or generic American advice that ignores how the LRS, TCS, and Indian tax law actually work.
Why this exists
If you live in India and earn (or hold) US assets — RSUs from a multinational employer, ETFs bought via the LRS, ESPP shares — most of the content out there is written for an American reader. It glosses over the parts that actually matter for you: 20% TCS on remittances, 25% US dividend withholding, capital gains classified as “unlisted foreign equity,” Form 67 for foreign tax credit, schedule FA disclosures, and so on.
Vested is the publication I wished existed when I first started investing across borders. Every post is written from one assumption: you are an Indian resident, and the rules you operate under are Indian.
What you’ll find here
- US Investing — LRS basics, brokerage comparisons (Vested, INDmoney, IBKR), ETF picks, capital gains taxation, currency risk, and rebalancing across rupee/dollar portfolios.
- RSU Management — vesting mechanics, the sell-to-cover trap, US-India tax treaty relief, when to hold vs. sell, and how to redeploy proceeds.
- Calculators — small interactive tools so you can run the numbers on your own situation, not someone else’s.
What this is not
This is not investment, tax, or legal advice. I write what I’ve learned and what I’ve verified against primary sources (RBI master directions, the Income Tax Act, IRS publications). For decisions specific to you, please talk to a SEBI-registered investment advisor and a qualified CA.
Contact
Got a topic you want covered, or a correction? Reach out via the homepage or reply to the newsletter.
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One post a week. No fluff, no affiliate-driven nonsense.