Tag
rsu
73 posts tagged rsu
- Returning NRIs·
The RNOR window: how returning NRIs can realise US gains tax-free before it closes
RNOR status gives returning NRIs 2–3 years where foreign income and capital gains are completely exempt from Indian tax. Here's what to sell, when, and what happens if you miss the window.
- RSU Management·
September jobs miss: what it means for your RSU advance tax and LRS plan
US added just 29,000 jobs in September vs 84,000 expected. Fed December hike odds collapsed to 18%. What RSU holders should recalculate before December 15 — advance tax estimates, LRS timing, portfolio positioning, and the full macro picture.
- Returning NRIs·
The returning NRI master guide: taxes, RSUs, and every financial decision to make before and after you land
The definitive guide for NRIs returning to India. RNOR window, RSU tax during transition, NRE/RFC account conversion, 401k planning, Schedule FA, FEMA compliance, and the exact order to do everything.
- US Investing·
FOMC Minutes October 7: what Indian investors should watch for
September FOMC Minutes drop October 7. Here's the three signals that will tell you whether December hike is live — what each scenario means for RSU advance tax, LRS timing, rupee direction, and portfolio positioning.
- US Investing·
Strong dollar, hiking Fed: the rupee playbook for October 2026
Fed hiking + strong US jobs = dollar strength. What Indian investors should do about LRS remittance timing, RSU perquisite tax, and USD/INR in Oct 2026.
- RSU Management·
Fed hikes to 4%: what it means for your US portfolio and RSU vesting
Fed hiked to 3.75–4% on Sept 16. What it means for RSU holders: vest income, advance tax, hold vs. sell, and cash at your broker.
- 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,...
- 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, perquisite calculation walkthrough, Form 12BA, advance tax, ITR-2 reconciliation, and the DTAA double-tax risk.
- 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,...
- US Investing·
Anthropic and OpenAI IPO: how Indian residents can buy in, and which RSU holders are already winning
Anthropic and OpenAI are the two most valuable private AI companies on earth. Neither has IPO'd yet. Here's what Indian retail investors actually need...
- RSU Management·
RSU vs ESOP vs ESPP: what's the difference for Indian employees (2026)
Complete guide to RSU, ESOP, and ESPP for Indian employees: how each type of equity grant works, when tax is triggered, how perquisite is computed,...
- US Investing·
RSU acceleration on acquisition: what happens to your unvested shares when your company gets bought
When your US employer gets acquired, your unvested RSUs face one of four outcomes: accelerated vesting, assumption by the acquirer, cash-out, or...
- NRI Finance·
RSU tax for Indians working in UAE: perquisite, capital gains, and what happens when you return
Working at Amazon, Microsoft, Google, Noon, or any US-listed company from UAE? Your RSU tax situation is different from India-based employees. No UAE...
- NRI Finance·
RSU tax for Indian employees at US tech companies: the W-2 guide
Working at Google, Microsoft, Amazon, Meta, or another US tech company on H-1B? Your RSUs vest as W-2 income. Here's how RSU tax works at each stage —...
- US Investing·
INDmoney vs Vested for US stocks: which is cheaper? (2026)
INDmoney FX: 0.75–1% on deposit, bank up to 1.5% on withdrawal (INR only). Vested FX: ~1.5% + bank forex on withdrawal (INR only). Both cap brokerage at $35/$25. Real cost comparison at ₹5L, ₹10L, ₹25L.
- NRI Finance·
H-1B to green card to citizenship: how your US stock tax changes at each stage
Your US stock tax treatment changes materially when you get a green card, and again when you become a US citizen. RSUs, ETFs, and index funds face...
- US Investing·
Big Tech Earnings July 2026 Results: Microsoft, Amazon, Meta, Apple, Qualcomm, Google
All six reports are in. Microsoft surged 8% on Azure 43% growth. Amazon jumped 10% on AWS 37% growth. Meta fell 10% on EPS miss. Apple down 4% on China...
- RSU Management·
RSU cost basis for Indian tax: which number to use and where to find it
Your broker shows three different cost basis numbers. Your CA asks for a fourth. Here's the definitive answer: which cost basis applies to Indian RSU...
- RSU Management·
Reading your Fidelity NetBenefits statement: a field-by-field guide for Indian RSU holders
Field-by-field walkthrough of your Fidelity NetBenefits statement for Indian tax filing — vest rows, cost basis, 1042-S, and how every field maps to...
- RSU Management·
Reading your E*Trade Stock Plan statement: a field-by-field guide for Indian RSU holders
Field-by-field walkthrough of your E*Trade Stock Plan (Morgan Stanley at Work) RSU statement for Indian tax filing — vest events, cost basis, 1042-S,...
- RSU Management·
Sell-to-cover for RSUs: how many shares you actually keep (India)
How sell-to-cover works for RSU vesting in India — the perquisite tax calculation, how many shares are sold, and how many you keep. With worked...
- RSU Management·
RSU take-home after Indian perquisite tax: the exact calculation
Exact RSU take-home in INR after Indian perquisite tax, surcharge, and cess. How many shares you keep, what the tax bill is, and why your Form 16 may...
- RSU Management·
Old vs new tax regime for RSU and foreign income holders (2026)
Choosing between India's old and new tax regime when you have RSU vesting, US dividends, or foreign salary. Key breakeven points, deductions that...
- US Investing·
NSE IX Global Access vs Rovia: which is right for Indian US stock investors?
NSE IX Global Access and Rovia both let Indian residents invest in US stocks under the LRS. The structural difference: GIFT City IFSC demat account...
- RSU Management·
Is ESPP worth it for Indian employees? Tax, true return, and what to watch
How Employee Stock Purchase Plans work for Indians, the real return after the 15% discount, lookback feature, and Indian perquisite tax on the discount...
- RSU Management·
Form 67 field-by-field: RSU holders and US stock investors
Every field in Form 67 explained for Indian residents with RSUs and US stock portfolios. Covers dividends, capital gains, multi-income scenarios, and...
- US Investing·
Rovia vs Tickertape for US stocks: RSU tooling vs research-first investing
Both Rovia and Tickertape charge 0.15% brokerage. The comparison turns on RSU consolidation and tax tooling (Rovia) vs integrated research screeners...
- US Investing·
Rovia vs INDmoney: which platform is right for Indian US stock investors?
Rovia routes through Alpaca; INDmoney now routes new accounts through DriveWealth. The difference is RSU tooling, brokerage (0.15% vs 0.25%), and a...
- US Investing·
Rovia vs Dhan for US stocks: LRS vs GIFT City, RSU tools vs simpler transfers
Rovia (LRS route, 0.15% brokerage, RSU consolidation) vs Dhan (GIFT City route, 0.25% brokerage, simpler domestic transfer, potential Section 10(4D)...
- US Investing·
How Rovia works: RSU consolidation, US stock investing, and Indian tax compliance
A complete walkthrough of Rovia — what it is, who it is for, how ACATS transfers work, what the tax tooling actually does, and where it has limits....
- US Investing·
Vested vs Rovia: which platform is right for your US stock situation?
A factual comparison of Vested Finance and Rovia for Indian investors in 2026. Covers fees, clearing brokers, ACATS, Schedule FA, and the RSU...
- 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...
- NRI Finance·
US stock investing on H-1B and OPT: what changes, what doesn't, and the estate tax trap
H-1B and OPT visa holders face different US tax rules, a hidden estate tax risk on their RSU portfolios, and a key planning window before returning to...
- RSU Management·
RSU tax filing in India: every schedule, every field explained
Step-by-step field guide for Indian RSU holders filing ITR-2: exactly what to enter in Schedule CG, Schedule FSI, Schedule FA, and Form 67 — with what...
- RSU Management·
ESOP vs RSU: the tax difference Indian employees miss
RSUs tax you at vest. ESOPs tax you at exercise — or let you defer. For Indian employees, the difference can mean lakhs. Here's the full breakdown.
- 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.
- NRI Finance·
RSU tax for NRI: what Indian tax do you actually owe?
NRIs working abroad generally owe zero Indian tax on US RSUs. Here is the Section 5 rule, Schedule FA disclosure, RNOR transition, and when Indian tax...
- 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 —...
- RSU Management·
How to reduce RSU tax in India: five levers that actually work
The five tax-reduction levers for Indian RSU holders: LTCG timing, lot selection, loss harvesting, Form 67 credit, and Section 54F. With INR worked...
- RSU Management·
What is an RSU? Restricted Stock Units — complete 2026 guide for Indian employees
A Restricted Stock Unit is an unfunded employer promise to deliver one share of company stock on a future vesting date — the canonical 2026 reference...
- RSU Management·
RSU taxation in India: the complete guide with worked examples
Two events, two tax codes, two ITR schedules. Exactly how RSUs are taxed in India at vest (Section 17) and at sale (Section 112) — with INR worked...
- 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,...
- 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.
- 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·
The 7 most expensive ITR-2 mistakes Indian residents with US RSUs make every year
Practical guide to the 7 most expensive ITR-2 filing mistakes Indian residents with US RSUs, ESPP, and stocks make every year. From wrong SBI TTBR...
- US Investing·
Tax filing season July 2026: the complete roadmap for Indian residents with US stocks, RSUs, and ESPP
The master roadmap for Indian residents filing ITR-2 for AY 2026-27 with US equity. Covers Schedule FA, Form 67 (Form 44 starts AY 2027-28), RSU...
- NRI Finance·
RSU vesting during the year of return: the attribution rule, worked example, and documentation requirements
Complete guide to RSU vests that straddle US and India service periods during your year of return. The DTAA Article 16 attribution rule, days-in-India...
- US Investing·
Buying a flat in India with US RSU proceeds: Section 54F exemption and how to save up to ₹10 crore in capital gains tax
Complete guide to using Section 54F to exempt capital gains on sale of US RSU shares when proceeds are invested in Indian residential property. The...
- US Investing·
Divorce and US RSUs: division, court-ordered transfers, Section 47 exemption, and the QDRO for 401(k) splits
Complete guide to dividing US RSU shares and brokerage accounts during divorce as Indian residents. Section 47(iii) exemption for court-ordered...
- US Investing·
Death of a US RSU holder: succession, repatriation, the $60,000 estate tax trap, and the documentation playbook
Complete succession guide for Indian families when an RSU holder dies. The $60,000 US estate tax threshold for non-residents (Form 706-NA), TOD/JTWROS...
- US Investing·
Getting married with US RSUs: joint ownership, gifting, and the clubbing-of-income trap
Complete guide to handling US RSUs and brokerage accounts when getting married as an Indian resident. Joint US brokerage accounts, spouse gifting...
- 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.
- Returning NRIs·
Moving back to India with US RSUs: the complete returning NRI playbook
The 12-month playbook for moving back to India with US RSUs, brokerage accounts, retirement plans, and US property. RNOR window strategy,...
- 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·
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.
- NRI Finance·
RSU vesting while in US vs India: the residency rules that decide which country taxes you
Where you were physically located at vest decides the tax treatment. The Indian and US residency frameworks, the RNOR bridge year, and worked examples...
- US Investing·
From vest to ITR-2: the complete 12-step workflow for Indian RSU holders
Complete ITR-2 walkthrough for Indian RSU holders. Schedule S (salary), Schedule CG (capital gains), Schedule FA (foreign assets), Form 67 FTC claim...
- US Investing·
Reading your Morgan Stanley StockPlan Connect statement: a field-by-field guide for Indian residents
Field-by-field walkthrough of your Morgan Stanley statement. Where vest dates appear, how to find cost basis correctly, the 1042-S you might be...
- US Investing·
RSU double-taxation explained: how Indian residents get taxed at vest, sale, and dividend
How RSU taxation actually works for Indian residents. Perquisite tax at vest, capital gains at sale, dividend withholding, DTAA reconciliation. Three...
- 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.
- 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 —...
- 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.
- 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.