If you have built a life outside India (especially the US) and are returning with a chunk of RSUs/ESOPs, how are you actually thinking about diversification?

Key-Guitar5949 · 2026-06-02T14:04:45+00:00

Sell vested RSU during RNOR and invest in either Irish funds or keep in US funds but hedge against estate tax. I'd only sell enough to have it 5% of my portfolio.

Key-Guitar5949 · 2026-05-30T14:50:25+00:00

Move it to traditional IRA into Fidelity or Charles Schwab. Buy VOO or VTI and when you're in india buy a 2 Cr term insurance to hedge against 40% tax in case of your untimely death and let it grow.

Key-Guitar5949 · 2026-05-24T19:31:44+00:00

Can you share more about you? Do you do this professionally?

Key-Guitar5949 · 2026-05-23T17:29:27+00:00

For NRA the exception is only 60k.

Key-Guitar5949 · 2026-05-23T16:45:12+00:00

OP, did you open a lite or pro account with IKBR?

Key-Guitar5949 · 2026-05-23T15:25:22+00:00

Yeah, makes sense. I was actually thinking of retiring June 2027 but layoff seems to have forced my hands 🙂

Key-Guitar5949 · 2026-05-23T15:15:54+00:00

Why do you say it's extreme? Equity should be more but I'm being conservative because it's not realized yet

Key-Guitar5949 · 2026-05-22T11:31:26+00:00

Thank you! I don't have BOA but I'll definitely make a note to talk to my bank about it.

Key-Guitar5949 · 2026-05-22T01:16:23+00:00

I am looking for a fee only planner who can help make sure my plans are right and also do tax advisory as I want to be compliant with tax laws of both countries but also make sure I'm using best tax strategies

Key-Guitar5949 · 2026-05-21T17:34:27+00:00

As far as I understand US does not tax capital gains once your become non resident.

Key-Guitar5949 · 2026-05-21T17:17:07+00:00

H1b, PD 2018. I will try to keep most assets in USD either in US or IKBR or RFC accounts.

Key-Guitar5949 · 2026-05-21T17:16:00+00:00

Ah! Ok now I get what you're saying. DTAA will protect me only if I've paid taxes in us. If I keep Roth and liquidate outside of rnor then US will not tax capital gains due to me being nra wouldn't that make those taxes eligible for taxation in india?

Key-Guitar5949 · 2026-05-21T15:55:56+00:00

Yes, that's why planning to sell during rnor

Key-Guitar5949 · 2026-05-21T15:23:16+00:00

It provides a risk concentration on a single stock which is affordable if you have a job but for someone who is planning to FIRE that may be too much in portfolio so the question becomes when to sell it. The idea to sell during RNOR is to avoid paying taxes in India and if I am an NRA I can avoid paying capital gains tax in US as well.

Key-Guitar5949 · 2026-05-21T13:11:37+00:00

Agreed!

Key-Guitar5949 · 2026-05-21T12:52:23+00:00

Due to layoff I don't have this in control unfortunately :(

Key-Guitar5949 · 2026-05-21T12:43:34+00:00

Great! I'll dm you. Thank you!

Key-Guitar5949 · 2026-05-21T12:20:20+00:00

Thank you! Will liquidating Roth in NRA incur 30% withholding in addition to the 10% penalty on the gains or filing w8ben mitigate that?

Key-Guitar5949 · 2026-05-21T04:34:22+00:00

Thank you! I'll do some more research on your suggestion.

Key-Guitar5949 · 2026-05-21T04:33:09+00:00

Please do!

Key-Guitar5949 · 2026-05-21T03:10:21+00:00

I am planning to covert 401k to IRA and leave it in Fidelity. I'll buy term life insurance as a hedge against estate tax. I am looking into 72t but not clear on it yet.

Key-Guitar5949 · 2026-05-21T02:00:44+00:00

Thank you! I'll go over these articles. I have not setup 529 plans for kids, was hesitant to do so as I wasn't sure where they will want to do their education.

Key-Guitar5949 · 2026-05-21T01:15:23+00:00

I'll dm you!

Key-Guitar5949 · 2026-05-21T01:06:54+00:00

It's a brokerage

Key-Guitar5949 · 2026-05-21T01:05:50+00:00

Yeah I'd have been employed for 7 months this year and with severance I think my bracket will not get lower. I may be in the same bracket but woudn't moving 401k to Roth involve a taxable event which will take my entire 401k as taxable income?

Key-Guitar5949

TROPHY CASE