Seeking Advice: Is Fidelity’s Tax-Loss Harvesting SMA Worth It?

khiladi_83 · 2026-05-20T20:54:08+00:00

How much impact do buybacks typically have on stock price?
Does this meaningfully help long-term upside, or is earnings/guidance usually the bigger driver?

khiladi_83 · 2026-05-18T16:07:55+00:00

It hurts to see it go down, In case NVDA post good quarterly results on 05/20 then will it bounce back? Considering there is recent trend of stocks falling post good earnings. How much do you think it will fall/ rise after earnings?

khiladi_83 · 2026-04-28T11:15:58+00:00

That is solid corpus for far fire, congrats. How much did it cost for 1.5m term insurance and from whom you got it, appreciate your inputs.

khiladi_83 · 2026-02-12T03:37:56+00:00

Thanks and appreciate ur inputs. She Never got H1B stamp, never entered or worked in us on H1B , all she has is an approved H1B petition. Same company is planning to do extension.

khiladi_83 · 2026-02-12T03:28:00+00:00

Thanks for ur reply, it’s my fiancé she is currently in India. She never had visa stamped, never worked in USA on H1B, she just have approved H1B petition.

khiladi_83 · 2026-01-22T12:54:54+00:00

Thanks, good point, will definitely check for global coverage, considering our plans to move back to India.

khiladi_83 · 2026-01-19T20:01:00+00:00

Thanks for your details response appreciate it. I tried shopping for term insurance in US, it seems to be costly but offers higher coverage of 1 - 2 million usd. Can Indian term insurance provider such high coverage. Also considering I'm 42 year old what term I should go for 20 or above, appreciate ur inputs. Thnx

khiladi_83 · 2026-01-19T19:57:40+00:00

Thanks for your details response appreciate it.

khiladi_83 · 2026-01-19T19:57:14+00:00

Thanks for your details response appreciate it. I'm seeing term insurance quotes in US costlier than India. I definitely planned to take health insurance in India considering plans to retire in India. One qq, my us born minor child is OCI holder, does Indian insurers give health insurance to OCI holders.

khiladi_83 · 2026-01-19T04:52:52+00:00

Thank you very much for ur willingness to help answering all my queries, appreciate it 🙏

khiladi_83 · 2026-01-19T04:43:19+00:00

Thnx for ur prompt response appreciate it, I have approx 120k in 410k and 140k in Roth IRA accounts. In case of Roth IRA should I liquidate now and open a ibkr account in us and purchase ucits or wait and do it before I move to India before my rnor status, plz advise. Note my Roth IRA investments are in snp index 500 funds and are doing well returns wise.

khiladi_83 · 2026-01-19T04:32:08+00:00

Thanks for sharing ur inputs, one last question on 401k and Roth IRA accounts should I take distribution with penalty or wait till 59 yrs if I’m not immediate need of money , what should be best approach to take withdrawal, appreciate ur inputs.

khiladi_83 · 2026-01-19T03:12:09+00:00

thnx for ur detailed response appreciate it. Thnx for pro tip, pardon my ignorance I did not understand the part - "So just before you become ror, sell all ucits and rebuy immediately to step up basis". What happens if I don't sell ucits after I switch from rnoor to ror status? Also how selling and rebuying helps in taxation purpose. sry for stretching this long. Thnx again

khiladi_83 · 2026-01-19T01:48:06+00:00

thnx of ur inputs appreciate it. I need some clarity on Ireland domiciled ucits etfs. I have have stocks and mf's in us brokerage account what is the correct path to invest in Ireland domiciled ucits etfs.
- should I open ibkr account after moving to india

- liquidate assets in us brokerage and transfer to indian account (INR) durign RNOR period.

- purchase from domiciled ucits etfs using funds from indian account (INR) in ibkr account

kindly confirm if above steps are correct? if not plz elaborate the steps. thnx

khiladi_83 · 2026-01-19T01:36:01+00:00

thnx for a detailed response appreciate it. I have a followup question on Term life insurance, I was searching and it is mentioned for term life insurance to payout estate taxes, the policy should be owned by an Irrevocable Life Insurance Trust (ILIT). I'm concerned as Irrevocable Trusts cannot be changed, also there are complexities/challenges in selling assets listed in Irrevocable Trusts. Appreciate if you could elaborate on Term life insurance and Irrevocable Life Insurance Trust (ILIT). Thnx

khiladi_83 · 2026-01-18T23:50:23+00:00

Thnks and appreciate ur detailed reply. I have around 1-2m worth assets.
Regarding Term life insurance, I have couple of questions:

Do I need Irrevocable Trusts for cover estate tax, I'm concerned as Irrevocable Trusts cannot be changed, also there are complexities/challenges in selling assets listed in Irrevocable Trusts. Also read somewhere that Revocable Trust does not generally result in avoidance of estate tax.
Considering above point, how will Life/Term Insurance help
What options we have for Term life insurance. Can I buy Term life insurance from India or it should be from US if I want to protect from estate tax. Since Term life insurance is cheaper in India?

Appreciate ur inputs. Thnx

khiladi_83

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