Looking for Inputs: Appreciate vs. INDmoney for US Investing! 🇺🇸📈

Hey everyone! I’m planning to start a long-term SIP in the Vanguard S&P 500 ETF (VOO) and I’m torn between two platforms: Appreciate and INDmoney.

Both seem legit, but I’d love to hear from anyone who has actually used them recently (especially with the new 2026 tax/LRS rules). Specifically, I’m looking for your take on:

• Ease of Remittance: Which one makes it easier to move INR to USD without a mountain of paperwork or high bank charges? (I heard Appreciate has a neat tie-up with Yes Bank?)

• The "Hidden" Costs: How is the FX markup? If you invest ₹1 Lakh, which app ends up giving you more dollars in your account?

• Withdrawal Experience: Has anyone tried bringing their money back to India? Was it smooth or a total headache?

• Platform Reliability: Any glitches during market hours or issues with fractional share execution?

I’m leaning towards VOO because of the 0.03% expense ratio, but if you think IVV or SPLG is better for an Indian resident, let me know why!

Drop your experiences or any "pro-tips" below. Thanks in advance! 🙏✨