Search
Find posts by title, topic, or keyword.
28 posts
- US Investing·
Welcome to Vested: US investing & RSUs for Indians
Vested is a publication on US investing and RSU management, written for Indian residents who deserve better than American advice.
- US Investing·
The LRS explained: how Indians invest USD 250k/yr abroad
USD 250,000/yr limit. 20% TCS above ₹10 lakh. Form A2. Schedule FA. The Liberalised Remittance Scheme without the legalese.
- RSU Management·
RSU vesting: the real tax math for Indian residents
Your RSU is worth ₹10 lakh on paper. After perquisite tax, US withholding, and capital gains — what actually lands in your account?
- US Investing·
How to invest in US stocks from India 2026: complete guide
End-to-end playbook for Indian residents: LRS, brokerages, taxes, costs, and the mistakes that cost the most money. No US-centric fluff.
- US Investing·
LRS, TCS & Schedule FA: India's compliance trifecta
Three regulations that govern Indians investing abroad. What each requires, the deadlines, the penalties — and how to stop dreading them.
- US Investing·
Vested vs INDmoney vs IBKR: best US stock platform for Indians
Honest comparison of the three viable routes for Indian residents: costs, FX markup, taxes, and which broker fits your stage.
- US Investing·
7 best US ETFs for Indian investors (VOO isn't always right)
US ETFs worth holding as an Indian resident: expense ratios, dividend tax friction, and the famous picks we'd skip despite popularity.
- US Investing·
US stocks tax in India: capital gains, dividends & 24-month rule
The three tax events on US stocks for Indian residents — dividend withholding, capital gains in INR, Schedule FA — with worked examples.
- RSU Management·
The complete RSU guide for Indians at US multinationals
Vesting, taxes, withholding, repatriation, reinvestment — the full RSU lifecycle for Indian residents at US-headquartered companies.
- RSU Management·
Sell-to-cover, sell-all or hold: the three RSU vest decisions
Every RSU vest forces a choice. Sell to cover tax only? Sell everything? Hold all the shares? Pick the right answer for your situation.
- RSU Management·
Form 67 & FTC: avoiding US dividend double taxation
Indian residents lose 5% per year of US dividends without Form 67. The complete filing walkthrough — what to enter, when, and the deadline trap.
- RSU Management·
Should you sell RSUs at vest or hold? Framework for Indians
Sell RSUs at vest, or hold for upside? The right answer depends on concentration, tax timing, and what you'll do with the cash.
- RSU Management·
ESPP vs RSU for Indians: how to think about both
RSUs are awarded; ESPPs are bought at a discount. Most Indians underuse ESPP. The full picture, with worked tax math for Indian residents.
- US Investing·
Currency risk: how rupee–dollar moves change your US returns
Every US investment is two bets: the stock and the dollar. When currency helps your returns, when it hurts, and how to size US allocation.
- US Investing·
3-fund portfolio for Indian residents: US, intl & Indian equity
The simplest globally diversified portfolio for Indians: one Indian index fund, one US ETF, one international ETF. Tax-aware, low-cost.
- US Investing·
Direct US stocks vs ETFs: when stock picking makes sense
Most Indians should hold ETFs, not single US stocks. The cases where direct stocks make sense — and the Indian-specific pitfalls.
- US Investing·
W-8BEN form for Indians: what it does and how to file it
W-8BEN gets Indians the 25% US dividend rate instead of 30%. Letting it expire costs 5% per year forever. The complete filing walkthrough.
- US Investing·
Repatriating money from US brokerages: timing, FX & tax
Bringing US investments back to India: when to repatriate, how to time FX, which Indian bank to use, and the tax events along the way.
- US Investing·
PPFAS & MOSL Nasdaq vs direct US investing: which works better
PPFAS holds 35% US stocks; MOSL Nasdaq 100 tracks the NDX. When these beat the LRS route — and when direct US investing still wins.
- US Investing·
NRIs returning to India: what to do with your US portfolio
Moving back to India with US stocks, RSUs, 401(k) and IRAs creates a one-time RNOR planning window that can save lakhs in tax.
- US Investing·
US bonds, REITs & gold for Indian investors: worth it?
Beyond US equity: bonds, REITs, gold ETFs. The honest analysis of when each adds value for Indians, and where Indian alternatives win.
- RSU Management·
Negotiating equity comp at US multinationals from India
RSU grants, refreshers, and sign-ons are all negotiable at US multinationals. The Indian-side playbook for getting paid better.
- RSU Management·
Holding-period rules for every asset class (India tax)
Indian shares: 12 months. US shares: 24 months. Each asset class has its own LTCG threshold. The complete reference table for Indian residents.
- RSU Management·
RSU cost basis tracking: the spreadsheet you actually need
When you sell an RSU lot in 3 years, you'll need INR cost basis per tranche. The spreadsheet structure that works, with worked examples.
- RSU Management·
Pre-IPO RSUs: the tax and liquidity problem for Indians
Pre-IPO RSUs trigger Indian tax at vest at the 409A FMV — but you can't sell. The cash-flow trap, double-trigger structures, and IPO planning.
- RSU Management·
RSUs when you change jobs or get laid off: what happens
Unvested RSUs disappear when you leave. Vested ones you keep — but the tax cycle continues. Every job-change scenario, explained for Indians.
- RSU Management·
ISO & NSO stock options at US companies: how Indians are taxed
ISOs and NSOs differ from RSUs: exercise price, three tax events not two. How Indian residents are taxed on each, with worked numbers.
- RSU Management·
US ↔ India employer transfer: the cross-border tax reset
Moving between US and India offices triggers a complex tax reset. RSU sourcing, RNOR window, dual-status filings — the full playbook.