Author
Shivang Badaya
Co-Founder & Chief Executive Officer, Rovia
CFA charterholder with 10+ years across hedge funds and NRI fintech. Covers RSU taxation, equity comp, and cross-border investing for Indian residents. Ex-JP Morgan, Makrana Capital, Zolve.
An engineer turned hedge-fund investor, Shivang got into finance early — clearing all three CFA exams during his undergrad at IIT Bombay before joining JP Morgan. He went on to invest at Makrana Capital as a hedge-fund analyst, then led business at Zolve, an NRI fintech. He's now CEO of Rovia, a platform built for global citizens to invest globally. Shivang writes the RSU and equity-comp side of Vested — vesting mechanics, sell-to-cover strategy, ESPP vs. RSU trade-offs, stock options, and what actually lands in your account after Indian perquisite tax. Over 5+ years covering Indian-resident equity comp at Google India, Microsoft India, Meta India, Amazon India, Apple India, and NVIDIA India, he has reviewed hundreds of vest schedules, ESPP windows, and Form 16 reconciliations.
Credentials
- CFA charterholder (cleared Levels 1, 2 and 3)
- SEBI Registered Investment Advisor (in-principle approval)
- B.Tech, IIT Bombay (2010–2014)
- Ex-JP Morgan, Makrana Capital, Zolve (Head of Business)
Connect
Areas of expertise
- Cross-border investments
- RSU management & taxation
- ESPP and stock options (ISO/NSO)
- Hedge-fund investing
- Equity comp negotiation
Posts by Shivang
- US Investing
Fed raises rates to 3.75–4%: what Indian investors and RSU holders should do in the next 3 months
The Fed hiked 25bps to 3.75–4% on September 16, 2026, with another hike possible by year-end. Here's what it means for Indians investing in US stocks,...
- US Investing
SEBI's new nomination rules for demat accounts and mutual funds: what you need to do
From September 1, 2026, SEBI requires every new single-holder demat account and mutual fund folio to carry a nomination or a formal opt-out...
- US Investing
India's first tokenised corporate bonds: what Indian investors need to know
India is launching its first tokenised corporate bond pilot in September 2026. Here's what tokenisation means, how it works, and whether it matters for...
- US Investing
India's new foreign investment rules 2026: what Indian investors holding US stocks need to know
RBI is overhauling India's foreign investment framework under FEMA 2026. Here's what the proposed changes mean for Indian residents who hold US stocks,...
- RSU Management
New Income-tax Act 2025: what changes for Indians with US RSUs
India moved to the new Income-tax Act 2025 from April 1, 2026. Here's what actually changed for Indian residents with US RSUs — section references,...
- US Investing
LRS TCS after Finance Act 2026: the updated rate card for Indian investors
Finance Act 2026 changed TCS rates on some LRS categories. Here's the complete updated rate card — what changed, what didn't, and how to plan your...
- RSU Management
Layoff + US stocks: the complete tax checklist for Indian residents
Comprehensive tax checklist for Indian residents laid off from US companies: perquisite on last vest, STCG vs LTCG, Schedule FA, Form 67, advance tax,...
- RSU Management
Your US brokerage account after a layoff: repatriation guide for Indians
Laid off from a US tech company? Here's what happens to your US brokerage account, how to repatriate the cash to India, and what to do with the USD...
- RSU Management
Laid off with unvested RSUs: the 90-day checklist for Indian employees
Got laid off from a US tech company? Here's what to do in the next 90 days — severance negotiation, equity acceleration, last vest tax, Schedule FA,...
- RSU Management
Snowflake RSU India guide: vesting, SNOW shares, and tax for Indian engineers (2026)
Snowflake RSU guide for Indian engineers in Bangalore: 4-year quarterly vesting, Morgan Stanley at Work equity platform, performance RSU complexity,...
- RSU Management
RSU year-end checklist for Indian engineers: what to do before March 31, 2026
Complete year-end checklist for Indian RSU holders: verify vest records, check Form 16 against broker statements, collect SBI TTBR rates, file advance...
- RSU Management
HP Inc RSU India guide: vesting, HPQ shares, and tax for Indian engineers (2026)
HP Inc RSU guide for Indian engineers in Bangalore and Chennai: 3-year annual vesting, Fidelity NetBenefits equity platform, Form 16 reconciliation,...
- US Investing
Why Indian investors don't need tax-loss harvesting funds (unlike US investors)
US investors use specialized TLH ETFs (DFA, Avantis) to avoid wash sale rules. Indian LRS investors can repurchase the same ETF immediately — no wash...
- US Investing
How to repatriate US stock sale proceeds to India: FEMA, SWIFT, and the tax picture
Complete guide to bringing US stock sale proceeds back to India: FEMA current account rules, SWIFT transfer process, which bank to use, TDS on inward...
- US Investing
ETF pairs for tax-loss harvesting from India: which swaps maintain exposure without wash sale risk
Specific ETF swap pairs for Indian LRS investors doing tax-loss harvesting: VOO ↔ CSPX, VTI ↔ VWRA, QQQ ↔ VGT, and more. No wash sale rule means you...
- US Investing
Vested Finance review (2026): fees, features, and who it's best for
Vested Finance review for Indian investors (2026): brokerage fees, DriveWealth backend, fractional shares, Stack portfolios, LRS process, tax...
- US Investing
SPY vs VOO vs CSPX for Indian investors: which S&P 500 ETF to buy (2026)
SPY vs VOO vs CSPX comparison for Indian residents: expense ratios, dividend withholding tax, US estate tax exposure, UCITS vs US-listed, and which ETF...
- US Investing
LRS vs GIFT City for investing in US stocks: which route should Indian investors use?
LRS vs GIFT City comparison for Indian investors buying US stocks: tax treatment, $250K limit, TCS, IFSCA regulations, which platforms support each...
- US Investing
INDmoney GIFT City review (2026): how the IFSCA route works for Indian US stock investors
INDmoney GIFT City review for Indian investors: how the IFSCA-licensed GIFT City route differs from LRS, TCS implications, $250K limit removal, tax...
- US Investing
How to buy S&P 500 from India: the complete guide for Indian investors (2026)
How Indian residents can invest in the S&P 500: LRS route vs GIFT City, US ETFs (SPY, VOO) vs UCITS (CSPX), platform options, TCS rates, and Indian tax...
- US Investing
Dollar cost averaging in US stocks from India: SIP equivalent via LRS (2026)
How Indian residents can dollar cost average (DCA) in US stocks and ETFs via LRS: monthly remittance process, TCS on recurring transfers, tax lot...
- US Investing
Dividend stocks from India: how US withholding tax and Form 67 work (2026)
How dividend withholding tax works for Indian investors in US dividend stocks and ETFs: 30% vs 25% DTAA rate, Form 1042-S, Form 67 foreign tax credit,...
- US Investing
TQQQ vs QQQ for Indian investors: when the 3x version makes sense (and when it doesn't)
TQQQ vs QQQ comparison for Indian residents: how volatility decay, Indian STCG tax at 30%, holding period, and portfolio size change the math. When 3x...
- US Investing
Leveraged ETFs for Indian investors: what they are, how they work, and the top traded ones
Complete guide to leveraged ETFs for Indian residents: how daily rebalancing and volatility decay work, top traded leveraged ETFs (TQQQ, UPRO, SOXL,...
- US Investing
Inverse ETFs for Indian investors: SQQQ, SPXS, and how shorting the market works
Guide to inverse and inverse leveraged ETFs for Indian residents: how SQQQ and SPXS work, when they make sense as hedges, how to buy via LRS, and...
- US Investing
How to buy TQQQ from India: step-by-step guide for Indian residents (2026)
Step-by-step guide to buying TQQQ (ProShares UltraPro QQQ) from India via LRS: which platforms support it, how to remit USD, TCS rates, and Indian tax...
- US Investing
HFEA strategy for Indian investors: does TQQQ + TMF work with Indian taxes?
Hedgefundie's Excellent Adventure (TQQQ + TMF) analysed for Indian residents: 2022 collapse, quarterly rebalancing triggers 30% STCG, Schedule FA...
- RSU Management
SBI TTBR rate: what it is, how to find it, and why it determines your RSU tax
SBI TTBR (Telegraphic Transfer Buying Rate) is the exchange rate the Income Tax Act requires for valuing RSU perquisites in India. Here's what it is,...
- RSU Management
Advance tax September 15 deadline: what RSU holders in India need to do
September 15 is the Q2 advance tax deadline — 45% of your total tax liability for FY2026-27 must be paid by then. Here's how RSU holders calculate what...
- US Investing
VTI vs VOO vs QQQ for Indian investors: which US ETF should you buy?
VTI, VOO, and QQQ are the three US ETFs most Indian investors consider when investing via LRS. Here's how they differ in coverage, cost, historical...
- US Investing
US ETF vs Indian international mutual fund: which is better for Indian investors?
Indian investors can access US markets through direct US ETFs via LRS or through Indian international mutual funds. Here's how they compare on cost,...
- RSU Management
RSU diversification for Indian employees: when to sell, how much to keep, and what to do with the proceeds
Holding all your RSU shares in one stock is concentration risk. Here's how Indian RSU holders should think about when to sell, how the 24-month LTCG...
- US Investing
How to open a US brokerage account from India: LRS, brokers, TCS, and tax (2026 guide)
Indian residents can invest directly in US stocks and ETFs via LRS. Here's how to choose between Interactive Brokers, Schwab International, Vested, and...
- RSU Management
How to evaluate an RSU offer as an Indian employee: a practical guide
RSU offers can look very different on paper depending on cliff, vesting schedule, refresh grants, and company stage. Here's how Indian employees at US...
- RSU Management
Capital Gains Account Scheme for RSU holders: how to defer tax while you find a property
Sold US RSU shares held over 24 months and planning to buy a house? The Capital Gains Account Scheme lets you park the sale proceeds in a designated...
- RSU Management
W-8BEN for Indian RSU holders: what it is, how to file it, and what happens when it lapses
W-8BEN certifies your Indian residency to your US broker and cuts dividend withholding from 30% to 25% under the India-US DTAA. Here's exactly how to...
- RSU Management
Section 87A rebate and RSU capital gains: what actually applies in AY 2026-27
Can you claim the Section 87A rebate against RSU capital gains in AY 2026-27? The answer depends on which tax regime you're in and the type of gain....
- RSU Management
How to fix a Schedule FA or RSU mistake in a filed ITR-2 (AY 2026-27)
Filed your ITR-2 but found an error in Schedule FA, wrong SBI TTBR rate, missing vest event, or wrong cost basis? Here's exactly how to file a revised...
- RSU Management
New tax regime with RSU income: should you opt in for AY 2026-27?
The new tax regime (Section 115BAC) has lower slab rates but strips most deductions. For RSU holders with foreign capital gains, perquisite income, and...
- RSU Management
ITR-3 vs ITR-2 for RSU holders: which form do you actually need?
Most salaried Indian RSU holders need ITR-2. But freelancers, consultants, directors, and partners with RSUs need ITR-3. Here's exactly which form...
- RSU Management
Missed the July 31 ITR-2 deadline with RSUs? Here's exactly what to do
Missed the July 31 ITR-2 deadline? What a belated return means for RSU holders — the Section 234F late fee, Schedule FA implications, Black Money Act...
- RSU Management
Form 26AS vs AIS discrepancy for RSU holders: what to do
AIS shows gross RSU sale proceeds without cost basis. Form 26AS shows TDS. Neither tells the full picture for RSU holders. Here's why the numbers...
- NRI Finance
DTAA India-US for RSU holders: which income gets relief and how
The India-US DTAA limits US withholding on dividends to 15% (or 25% in some cases) and prevents double taxation on RSU income. Here's exactly which...
- RSU Management
Advance tax for RSU holders India: Section 234C installments (AY 2026-27)
RSU vests create income your employer's TDS often doesn't cover. Here's when to pay advance tax, how to compute the four installments, and what Section...
- RSU Management
1042-S form for Indian RSU holders: what it is and how to use it in ITR-2
Your US broker sends a 1042-S every February showing dividends paid and US tax withheld on your RSU shares. Here's what every box means, how to convert...
- US Investing
US estate tax for Indian investors: the complete guide to the $60,000 trap and how to avoid it (2026)
Indian investors holding US stocks face estate tax up to 40% on amounts above $60,000 — with no India-US estate tax treaty. This pillar covers the...
- US Investing
Schedule FA for US stocks: the complete India filing guide (AY 2026-27)
Everything an Indian investor holding US stocks needs to know about Schedule FA — who must file, which ITR form, field-by-field walkthrough, exchange...
- RSU Management
RSU holders in India: why Rovia was built for you (and what it actually does)
If you hold RSUs at Fidelity, E*TRADE, Schwab, or Morgan Stanley, Rovia solves problems no other Indian investing platform addresses. Here is exactly...
- US Investing
GIFT City vs LRS route for US stocks: the complete guide for Indian investors (2026)
The definitive comparison of India's two routes to US stock investing — GIFT City IFSC and LRS. Covers TCS, LRS cap, capital gains tax, US estate tax,...
- RSU Management
The single most common Schedule FA mistake Indian RSU holders make
Schedule FA covers January 1–December 31, not the Indian financial year. Most RSU holders get this wrong. The calendar year rule, explained.
- RSU Management
Missed the July 31 ITR-2 deadline? Here's exactly what to do
Missed the July 31 ITR-2 deadline? You still have until December 31. What a belated return costs, how to file Form 67 first, and what to do now.
- US Investing
The hyperscaler capex cycle, explained simply — why it keeps coming up and what it means for your portfolio
$370B in hyperscaler AI capex: what it means, which stocks it touches, and why it matters for Indian investors in NVDA, MSFT, META and QQQ.
- US Investing
Funding life goals with RSUs: house down payment, 529 college savings and goal-based selling
How US employees turn RSU vests into real-life goals — house down payments (and getting RSU income to count for a mortgage), 529 college savings with...
- RSU Management
The RSU tax-saving playbook for US employees: harvesting, donor-advised funds, NUA and the 83(b) myth
The legitimate tax-saving plays for US employees with RSUs: tax-loss harvesting around the wash-sale rule, donating appreciated shares via a...
- RSU Management
What to do with vested RSUs: the diversification playbook for US employees
Vested RSUs leave you over-concentrated in one stock that also signs your paycheck. The diversification playbook: sell-at-vest math, completion...
- US Investing
The 50% CGT discount: Australia's biggest RSU optimization (and how to use it)
Complete guide to Australia's 50% capital gains tax discount for RSU holders. Hold US stocks >12 months from vest, halve your taxable gain. Worked...
- US Investing
Pay down the mortgage or invest RSU proceeds? The real math
Should you pay extra principal or invest RSU proceeds? Compare the guaranteed after-tax mortgage return to the expected after-tax investment return —...
- US Investing
Tax-loss harvesting and the wash-sale rule: the complete playbook
Offset capital gains, take $3,000 of ordinary income, carry losses forward, and avoid the wash-sale traps that quietly disallow your harvest — for US...
- NRI Finance
Turning RSUs into a retirement corpus: 401(k), backdoor and mega-backdoor Roth for US employees
Your RSUs are taxable cash flow. Here's how US employees route them into a retirement corpus — maxing the 401(k) at $24,500, the backdoor Roth, the...
- NRI Finance
T1135 Foreign Income Verification Statement: step-by-step filing for Canadian RSU holders
Complete T1135 filing guide for Canadian residents holding US RSUs and stocks. CAD 100K threshold, simplified vs detailed method, penalties of CAD...
- US Investing
What is LRS? Complete 2026 guide to the Liberalised Remittance Scheme
The Liberalised Remittance Scheme lets resident Indians remit up to USD 250,000 per financial year abroad under FEMA. Complete reference: limits, TCS,...
- US Investing
What is Section 112? Long-term capital gains on non-equity assets (2026 guide)
Section 112 of the Income-tax Act, 1961 taxes long-term capital gains on assets other than Indian listed equity at 12.5 percent without indexation...
- US Investing
Asset location: which assets belong in Roth, pre-tax, and taxable accounts
Asset location places each asset class in the account type that taxes it most lightly — adding after-tax return at no extra risk for RSU holders.
- NRI Finance
The US$60,000 estate tax trap: what UAE residents with US stocks must plan for
Critical estate tax planning for UAE residents holding US stocks. Non-resident alien estate tax exemption is only $60K (vs $13.99M for US citizens)....
- US Investing
Schedule FA for AY 2026-27: step-by-step disclosure guide for Indian residents
How resident Indians disclose foreign equity, brokerage accounts and dividends in Schedule FA of ITR-2/ITR-3 for AY 2026-27 — sub-sections, calendar...
- US Investing
Building a completion portfolio around employer stock
If you choose to keep concentrated employer stock, a completion portfolio shapes the rest of your holdings to offset the sector and factor it already...
- NRI Finance
State tax optimization for US RSU holders: the 13.3% difference no one talks about
Complete guide to state tax planning for US RSU holders. California 13.3% vs Texas 0%. Vest year vs sale year sourcing. Multi-state RSU allocation,...
- US Investing
Getting a mortgage with RSU income: how lenders count your vests
How US lenders count vested RSU income toward mortgage qualifying income — the 2-year history rule, DTI math, fund seasoning, and how to prep your file.
- US Investing
Form 67 to Form 44 transition: foreign tax credit for AY 2026-27
Form 67 still applies for AY 2026-27 returns filed in 2026. Form 44 takes over from Tax Year 2026-27. Here's what changes for your foreign tax credit...
- US Investing
Donor-advised funds for people with equity compensation
How US employees with appreciated RSU shares use a donor-advised fund to skip capital gains, deduct full market value, and bunch giving above the...
- US Investing
US residents with US RSUs: complete tax + strategy guide for 2026
Complete guide for US residents holding US RSUs in 2026. Vest taxation, sell-to-cover vs sell-all, holding period strategy, capital gains, ESPP...
- US Investing
What is Form 67? Foreign tax credit claim form — complete 2026 guide
Form 67 is the electronic statement prescribed under Rule 128 of the Income-tax Rules, 1962 through which a resident Indian taxpayer claims a foreign...
- US Investing
What is DTAA? India-US Double Taxation Avoidance Agreement — complete 2026 guide
DTAA is a bilateral treaty that prevents the same income from being taxed twice. The India-US DTAA, signed 1989 and in force since 1990, governs how...
- US Investing
Direct indexing to unwind concentrated employer stock
Use a direct-indexing account to harvest losses, exclude your employer stock, and fund the diversification of a concentrated RSU position over several...
- US Investing
What is AIS and Form 26AS? Indian tax pre-fill data — complete 2026 guide
AIS is the Annual Information Statement and Form 26AS is the consolidated tax credit statement on the Indian e-filing portal. Together they hold every...
- NRI Finance
What is FATCA? Foreign Account Tax Compliance Act — complete 2026 guide for Indian residents
FATCA is a 2010 US law that compels foreign financial institutions to report US-person account information to the IRS. India implements it through the...
- RSU Management
Rule 10b5-1 plans: how employees and insiders sell company stock on a pre-set schedule
How US employees and insiders use Rule 10b5-1 plans to diversify on autopilot, sell through blackout windows, and earn an affirmative defense against...
- US Investing
The mega-backdoor Roth: a complete guide for high earners
How high earners route after-tax 401(k) contributions into Roth up to the 2026 $72,000 limit, using RSU cash as the bridge to free up salary.
- RSU Management
Exchange funds (swap funds) for a concentrated employer-stock position
How US employees use exchange funds (swap funds) to diversify a large, low-basis employer-stock position tax-deferred — the 7-year lock-up, fees,...
- NRI Finance
Net Unrealized Appreciation (NUA): the employer-stock 401(k) tax break
NUA lets you tax the gain on employer stock in a 401(k) at long-term capital gains rates instead of ordinary income — when the basis is low enough to...
- RSU Management
How much employer stock is too much? A concentration-risk deep dive
How US employees size a company-stock position, why employer stock is uniquely risky, and a framework to set a concentration target you can defend.
- NRI Finance
The 83(b) election explained: RSAs, early exercise, and the 30-day bet
What the 83(b) election is, who can actually use it (not standard RSU holders), the 30-day IRS deadline, the worked math, and the bet you are making.
- RSU Management
Rovia vs E*TRADE Stock Plan: a guide for Indian RSU holders
RSUs vesting into E*TRADE Stock Plan (now Morgan Stanley)? Here's what Indian residents pay vs Rovia — INR cost basis, Schedule FA, lot-level tax...
- RSU Management
Rovia vs Fidelity NetBenefits: a guide for Indian RSU holders
RSUs vesting into Fidelity NetBenefits? Here's the honest comparison with Rovia — INR cost basis, Schedule FA, lot-level tax tooling, and the full...
- RSU Management
Rovia vs Morgan Stanley at Work (Shareworks): a guide for Indian RSU holders
RSUs vesting into Shareworks or Morgan Stanley at Work? Here's what Indian residents actually pay vs Rovia — INR cost basis, Schedule FA automation,...
- RSU Management
Lot selection and loss harvesting: the RSU tax tools your CA isn't using
Indian RSU holders default to FIFO and miss thousands in tax savings. The lot-by-lot math, loss harvesting, and 8-year carry-forward, with worked examples.
- RSU Management
The share-transfer problem: why Indian residents are stuck with their employer's broker
ACATS guide: move RSU shares from Fidelity, E*TRADE, or Morgan Stanley to an Indian broker. Timeline 5–10 days. Cost basis, Indian tax, rejection reasons.
- 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 buy Eli Lilly (LLY) stock from India
Buy Eli Lilly (LLY) from India via the LRS, in INR. The GLP-1 obesity leader (Mounjaro, Zepbound) with Alzheimer's optionality — the hottest large-cap...
- US Investing
How to buy Vistra Corp (VST) stock from India
Buy Vistra Corp (VST) from India legally via the LRS, in INR. VST is a Texas and Midwest power producer combining nuclear, gas, renewables, and battery...
- US Investing
How to buy Novo Nordisk (NVO) stock from India
Buy Novo Nordisk (NVO) from India legally via the LRS, in INR. The Ozempic and Wegovy GLP-1 pioneer and Eli Lilly's chief rival — a Danish ADR with its...
- US Investing
How to buy Vertiv Holdings (VRT) stock from India
Buy Vertiv (VRT) from India legally via the LRS, in INR. VRT is the pure-play arms-dealer to the AI data-centre buildout — power, thermal and liquid...
- 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.
- US Investing
How to buy Micron (MU) stock from India
Buying Micron stock from India is fully legal under the LRS. Here's the mechanics, the memory-cycle reality, the tax math, and the estate-tax trap...
- 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.
- US Investing
How to buy Cisco (CSCO) stock from India
Buying Cisco stock from India is fully legal under the LRS. Here's the mechanics, the dividend-withholding maths most Indians miss, and the estate-tax...
- 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
How to buy Salesforce (CRM) stock from India
Buying Salesforce stock from India is fully legal via the LRS. Here's the mechanics, the small-but-real dividend angle, the capital-gains math, and the...
- US Investing
How to buy Visa (V) stock from India
Buying Visa stock from India is fully legal via the LRS. Here's the mechanics, the capital-gains and dividend math that actually matter, and the...
- US Investing
How to buy Oracle (ORCL) stock from India
Buying Oracle stock from India is fully legal via the LRS. Here's the mechanics, the dividend and capital-gains math, and the estate-tax trap most...
- US Investing
How to buy Broadcom (AVGO) stock from India
Buying Broadcom from India is fully legal under the LRS. Here's the buying mechanics, the dividend-withholding and capital-gains math, and the...
- US Investing
The Vested calculator guide: 17 tools for cross-border investing
How to use each Vested calculator, what it actually computes, and why the math matters for Indian residents. The complete reference.
- NRI Finance
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
How to buy Netflix (NFLX) stock from India
Buy Netflix (NFLX) from India legally via the LRS, in INR. NFLX pays no dividend, so this is a pure capital-gains story — Section 112 LTCG, the $60k...
- US Investing
How to buy Costco (COST) stock from India
Buy Costco (COST) from India legally via the LRS, in INR. COST pays a small regular dividend plus occasional large specials — Section 112 LTCG, 25% US...
- US Investing
How to buy ASML (ASML) stock from India
Buy ASML (ASML) from India legally via the LRS. The sole supplier of EUV lithography — and a Dutch-domiciled ADR, which quietly sidesteps the US $60k...
- US Investing
How to buy CrowdStrike (CRWD) stock from India
Buy CrowdStrike (CRWD) from India legally via the LRS, in INR. CRWD pays no dividend, so this is a pure capital-gains story — Section 112 LTCG, the...
- US Investing
How to buy Lam Research (LRCX) stock from India
Buy Lam Research (LRCX) from India legally via the LRS, in INR. The October 2024 10-for-1 split made shares retail-accessible — but Section 112 LTCG,...
- US Investing
How to buy Shopify (SHOP) stock from India
Buy Shopify (SHOP) from India under the LRS. D2C is a secular tailwind, and SHOP's Canadian domicile means it sidesteps the $60k US estate-tax trap...
- US Investing
How to buy Airbnb (ABNB) stock from India
Buy Airbnb (ABNB) from India legally via the LRS, in INR. ABNB pays no dividend, so this is a pure capital-gains story — Section 112 with no Form 67...
- 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.
- US Investing
How to buy Cognizant (CTSH) stock from India
Buy Cognizant (CTSH) from India legally via the LRS, in INR. With 250k plus India-based employees, many readers already hold CTSH via RSUs or ESPP —...
- US Investing
How to buy Synopsys (SNPS) stock from India
Buy Synopsys (SNPS) from India under the LRS. SNPS pays no dividend — a clean Section 112 capital-gains story. Plus the EDA-duopoly thesis, the closed...
- US Investing
How to buy Analog Devices (ADI) stock from India
Buy Analog Devices (ADI) from India legally via the LRS, in INR. ADI is the analog and embedded-processing leader, post-Maxim integration, with broad...
- US Investing
How to buy Microchip Technology (MCHP) stock from India
Buy Microchip Technology (MCHP) from India legally via the LRS, in INR. An embedded MCU and analog leader bottoming through its worst inventory cycle,...
- US Investing
How to buy AppLovin (APP) stock from India
Buy AppLovin (APP) from India legally via the LRS, in INR. APP pays no dividend, so this is a pure capital-gains story — but a sharp AI-adtech rerating...
- US Investing
How to buy T-Mobile US (TMUS) stock from India
Buy T-Mobile US (TMUS) from India legally via the LRS, in INR. The US telecom share-gainer, with a post-Sprint FCF inflection, a fixed-wireless...
- US Investing
How to buy Fortinet (FTNT) stock from India
Buy Fortinet (FTNT) from India legally via the LRS, in INR. FTNT pays no dividend, so this is a pure capital-gains story — Section 112 LTCG, the $60k...
- 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.
- US Investing
How to buy Datadog (DDOG) stock from India
Buy Datadog (DDOG) from India legally via the LRS, in INR. DDOG is the observability platform leader with an AI/LLM workload tailwind and a proven...
- US Investing
How to buy Regeneron (REGN) stock from India
Buy Regeneron (REGN) from India legally via the LRS, in INR. REGN pays no dividend — a pure Section 112 capital-gains story on a high-quality biotech,...
- US Investing
How to buy Gilead Sciences (GILD) stock from India
Buy Gilead Sciences (GILD) from India legally via the LRS, in INR. GILD is an HIV-franchise annuity with a ≈3-4% dividend, Yeztugo (lenacapavir) as the...
- 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.
- US Investing
How to buy DexCom (DXCM) stock from India
Buy DexCom (DXCM) from India legally via the LRS, in INR. DXCM is the continuous-glucose-monitoring leader, with the G7 platform and the new Stelo OTC...
- 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.
- US Investing
How to buy Seagate Technology (STX) stock from India
Buy Seagate (STX) from India legally via the LRS, in INR. STX leads the HAMR nearline HDD cycle — and because Seagate is incorporated in Ireland, its...
- US Investing
How to buy Monster Beverage (MNST) stock from India
Buy Monster Beverage (MNST) from India legally via the LRS, in INR. MNST pays no dividend — a clean Section 112 capital-gains play on the global...
- US Investing
How to buy Vanguard Total Stock Market (VTI) ETF from India
VTI is Vanguard's whole-market US ETF — 3,500+ stocks spanning large, mid, and small caps at a 0.03% expense ratio, bought legally under the LRS. The...
- 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.
- US Investing
How to buy SPDR S&P 500 (SPY) ETF from India
SPY is the oldest US-listed ETF and the deepest options market on the planet — but at 0.0945% it costs three times what VOO and IVV charge for the same...
- US Investing
How to buy Vanguard FTSE Developed Markets (VEA) ETF from India
VEA is Vanguard's developed-markets-ex-US ETF — roughly 4,000 stocks across Europe, Japan, Canada and Australia at a 0.05% expense ratio. For an Indian...
- US Investing
How to buy iShares Core MSCI Total International (IXUS) ETF from India
IXUS is single-ticker exposure to the entire world ex-US — developed plus emerging, around 4,400 stocks at 0.07%. For an Indian investor it is a...
- US Investing
How to buy Vanguard Total Bond Market (BND) ETF from India
BND is Vanguard's US aggregate bond ETF — roughly 10,000 investment-grade US bonds at a 0.03% expense ratio, bought legally under the LRS. For an...
- NRI Finance
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.
- US Investing
How to buy Schwab US Dividend Equity (SCHD) ETF from India
SCHD is the gold standard for US dividend-quality exposure — around 100 stocks screened for sustainable dividends, ≈3.5% yield at 0.06% expense. For an...
- US Investing
How to buy Vanguard Dividend Appreciation (VIG) ETF from India
VIG is a dividend-growth quality ETF — roughly 340 US companies with 10+ consecutive years of rising dividends, at a 0.06% expense ratio. Modest yield,...
- US Investing
How to buy Vanguard High Dividend Yield (VYM) ETF from India
VYM is the broadest US high-yield ETF — around 440 stocks from the top half of US yielders at 0.06% expense and ≈3% yield. For an Indian investor...
- US Investing
How to buy Vanguard Growth (VUG) ETF from India
VUG is Vanguard's large-cap growth ETF — about 190 US growth names at 0.04% expense, heavily concentrated in megacap tech. Legal under the LRS, but for...
- US Investing
How to buy ARK Innovation (ARKK) ETF from India
ARKK is Cathie Wood's flagship actively-managed innovation ETF — a concentrated, high-conviction bet on disruptive themes like genomics, fintech,...