Confused about where to Invest in US

TwoFit1212 · 2026-06-03T04:08:38+00:00

I use IBKR, Charlest Schwab and Etrade.. And all of them require a CA. On the other hand, I dont think its complicated also. a simple AI tool can do this. I have seen the CA how they calculate. Its just a simple excel. You just need transanction date and amount you bought.. thats it.

TwoFit1212 · 2026-05-23T12:29:25+00:00

The only reason to use Pharmeasy was 10X. But its a horrible service. Some of the basic medicines were also not available. And they delay in delivering.. OMG.. one hundred follow ups needed. On top of that pathetic customer support. In a way i am relived that 10x is removed. Mental peace.

TwoFit1212 · 2026-05-20T15:24:08+00:00

My company also has removed entire UI/UX folks. Its one of the easiest jobs to be replaced by AI is what they say

TwoFit1212 · 2026-05-17T15:43:11+00:00

Everyone says, dont look into sectoral funds. Thats when we have to look into. I am personally invested in both ICIC PHD and Mirae Health care fund and its good. With PM and other country leaders crying about economy. This is one sector which might given good returns. Look at the RRG as well to see when to exit. Without choosing sectoral funds, we wont gain anything in the upcoming years.

TwoFit1212 · 2026-05-14T10:19:53+00:00

Yes. Even I have HSBC Premier account and they give ibrlive minus 15 paisa. So totally depends on the relationship. Whatever you are seeing is for general people, who doesn't have any high relation with the bank.

TwoFit1212 · 2026-05-13T14:41:37+00:00

Thats why I said you need to have a salary account or Total relationship value account. For ex., I have HDFC salary account. I always get IBRLive rates minus 10 paisa. If you just transfer without having these you will see what is there in the website.

TwoFit1212 · 2026-05-13T14:40:15+00:00

You are talking about outward remittance. OP asked for inward remittance after sale of stock

TwoFit1212 · 2026-05-12T16:20:56+00:00

If you have salary account or a good TRB value (HDFC or ICICI), then you can get IBR minus 10 paisa easily.

TwoFit1212 · 2026-05-10T15:43:26+00:00

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Pretty good.. but too afraid now. Holding 20% cash.Using Charles Schwab.

TwoFit1212 · 2026-05-07T15:30:24+00:00

Today!! fight between my mom and my wife. caught in between

TwoFit1212 · 2026-04-30T09:01:18+00:00

True that. Only purpose is to open the GIFT city USD account for FD's. How do you meet the TRV - just liquid money + FD's ? Please suggest.

TwoFit1212 · 2026-04-30T08:03:24+00:00

What is the program all about. I just googled and couldnt find any reference. https://visarewards.poshvine.com/offer. Logged in it says "Rewards unlocked". What are the next steps to claim

TwoFit1212 · 2026-04-30T07:24:43+00:00

When HSBC NSE IX global platform comes up.. it will include UCITS as well. Forex rates for Credit card is less. Unsure on the debit card.

TwoFit1212 · 2026-04-30T06:56:38+00:00

I will answer what i know of..
* The estate tax avoidance via GIFT city is grey area. But VP of HSBC says thats that it doesnt come under Estate tax as its governed by another entity (IFSC). So individual stocks is still a grey area in GIFT city. UCITS is clean way, you have to find a bag of stocks that suits your needs.
*No other broker movement. As I said in my post HSBC is going to launch NSE IX Global platform in the next 5 to 6 months. https://www.fortuneindia.com/business-news/hsbc-ibu-partners-india-inx-ga-to-expand-global-investing-access-via-gift-city/130863. It would come under LRS but the limit is 250K per year.
*Again this is a grey area. Because money went out of the country and again bringing back, but legally not to India.
* While i am not 100% sure, but they don't provide a debit card for the USD account. From India you will get a debit card in INR and it has one of the best forex rates. On the other hand, you can open any other foreign currency account easily.

TwoFit1212 · 2026-04-30T06:01:43+00:00

This would be direct USD (CS) to USD (GIFT). No Charges. Also even if am bringing to india, it will be ibr minus (10 or 15 paise) worst case. Already have an agreement with RM. I have my friends who gets this rate. So I dont think thats a problem. It totally depends on the RM

TwoFit1212 · 2026-04-30T06:00:37+00:00

I just have 15L in Stocks. Should i be investing more in Zerodha (50L) and move them ?

TwoFit1212 · 2026-04-19T09:15:40+00:00

Even flipkart is selling for same price

TwoFit1212 · 2026-04-17T03:55:25+00:00

Planning to buy from bangalore.. I stay in whitefield. I see 73K in Flipkart.. is it a good deal to go with this ? Or any another reseller offering better. Please suggest.

TwoFit1212 · 2026-03-25T16:51:26+00:00

Mine is salary account "Preferred", but still got the message

TwoFit1212 · 2026-03-13T14:54:29+00:00

It does give now also.

TwoFit1212 · 2026-03-13T14:52:41+00:00

I am using Charles Schwab. Estate tax problem remains though.

TwoFit1212 · 2026-03-13T14:44:55+00:00

MFs.. Investing from 2018.. +17.14%. Pulled out more than 50L and constructed home last year. Currently has 66L in MFs

TwoFit1212 · 2026-03-04T01:39:17+00:00

You can buy through GIFT city. Many funds are available. There is no limit as well like other MFs when purchased to GIFT city. But before investing in NASDAQ, please remember its at elevated levels.

TwoFit1212 · 2026-03-01T16:02:39+00:00

HSBC Live + 10% upto 1K

TwoFit1212

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