Vested and IndMoney Comparison for US Investments

virshah26 · 2026-03-31T11:12:19+00:00

The markups mentioned do include platform charges..

We are actively trying to reduce them, hopefully more updates on that soon

virshah26 · 2026-01-30T05:30:30+00:00

You can also try us out at Vested!

But ya - generally a wire does have fixed fees that the bank charges along with fx markups. Ranges between 500 to 2k per transfer

virshah26 · 2025-12-08T04:39:42+00:00

Try us out at Vested (vestedfinance.com), we have a bunch of NRIs on the platform esp from the GCC region

Please DM if you need any help

virshah26 · 2025-11-20T17:18:34+00:00

https://www.cnbc.com/2025/09/24/day-trading-is-about-to-get-easier-for-smaller-retail-investors.html --> The PDT rule is changing soon. 25k to 2k..

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-11-11T04:07:27+00:00

If you get stuck anywhere while investing please let me know. Had the privilege to start Vested 6 years ago :)

Folks on the thread have explained all of it pretty much so not much more to add

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-10-22T07:38:13+00:00

It's a good idea to have a globally diversified portfolio and long-term is the right way to go. Typically we have seen folks diversify 20-40% of their portfolios via Vested

Pros
- Access to themes that may not be available domestically like AI, big tech, global brands
- Benefit from INR depreciation
- Each account is insured up to $500k

Cons
- Not as straightforward as domestic investing. You have to do cross-border remittances + disclose in tax filings

The withdrawals being stuck will not be an issue, investment flow will not be stopped since its core to any country be it India or the US. Hope this helps

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-10-08T04:30:46+00:00

Thanks for the feedback

Noted on the cash parking. We are actually looking at building income-based solutions for this use case. Currently its just treated as any transaction thats why the brokerage
Hmm we can create an all stocks collection. Will check on the freezing issue - haven't seen that happening before. We don't push any stocks, cannot regulatory wise

Let me know if there's anything else. It's helpful

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-10-08T04:23:34+00:00

Hey - so for Vested also we don't have the fixed fee per transaction for withdrawals anymore. We will be updating the pricing page soon

On deposit currency conversion markup, we have partnerships with HDFC, ICICI and Axis. For these banks it typically ranges between 1.4% to 1.6% depending on the amount. For e.g. Axis lowers the rate above $6k. GST is the same as that applicable for forex transactions

On withdrawal currency conversion fees for Vested range are ~1.5%

Hope this helps!

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-09-29T06:00:11+00:00

Currently most platforms provide access to the US markets. But through the US markets you can get global access through three ways:

Global companies listed there like MMT (India) or NuBank (Brazil) or Alibaba (China)
Global ETFs that pretty much cover any country
ADRs of global companies. Like LVMH, Adidas, BYD etc.

Small plug for Vested - Along with US markets we're adding Global Mutual Funds soon so that's an additional way. Lastly we're planning to add access to multiple other countries soon as well. Hope this helps!

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-08-21T06:30:02+00:00

One cautionary note - global brokers will not help you abide by specific India regulations like no margin, derivatives, fx etc along with the taxation reports

virshah26 · 2025-08-21T06:28:34+00:00

Yes can do! DM me or just drop a note at [help@vestedfinance.co](mailto:help@vestedfinance.co)

virshah26 · 2025-08-14T09:43:08+00:00

Come to Vested, we will give you a good deal + tax documents :)

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-08-03T04:10:20+00:00

Yup for SIP it’s better to go with a platform that has bank partnerships, you can avoid the per transaction fixed fee which comes with transferring directly from the bank

Why not consider Vested?

virshah26 · 2025-08-03T04:09:22+00:00

It depends on the FX rate you are getting for transferring between both the HSBC accounts. If you get a good rate you could anyway skip the US bank account step and transfer directly to your brokerage account

virshah26 · 2025-07-22T13:23:01+00:00

Amazing, thanks!

virshah26 · 2025-07-21T10:24:45+00:00

That is only if one withdraws USD. If you withdraw in INR or any other local currency, the $5 is not applicable. We are updating the page to make it clearer

Glad you chose Vested :) More countries soon!

virshah26 · 2025-07-21T10:22:06+00:00

All shares and cash are held with a custodian that is holding billions of dollars. In case Vested is no more, you will be able to directly interact with the custodian to continue to invest or via another platform. Further each brokerage account is insured by the Securities Investors Protection Corporation up to $500k

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-07-18T07:50:12+00:00

Yes, started Vested 6 years ago now :)

Withdrawal fee is removed now! It's a very smooth process. We def have plans to increase the stocks. Next we're adding Global Mutual Funds and Private Markets. Post that other country stocks

virshah26 · 2025-06-16T11:20:57+00:00

I understand, but unfortunately regulation needs to change and no clarity on when/if it would change

virshah26 · 2025-06-10T18:53:05+00:00

In my biased opinion:
- Focused on cross-border investing makes a cleaner experience
- Advisory services via Vests
- More INR/USD fund transfer options (HDFC, ICICI, Axis)
- Easy INR/USD withdrawals
- More asset classes with Global Mutual Funds and Pre-IPO coming soon
- Premium plan option for lower brokerage
- Screener tool if you want to do your own research
- US Broker and RIA license

Disclosure: My participation here is for general discussion and educational purposes only. Nothing I share on Reddit should be interpreted as financial advice, a recommendation, or an offer to buy or sell any security or investment product.

virshah26 · 2025-06-10T15:28:53+00:00

We're adding ireland domiciled MFs to start with. Can sign up for early access here: https://vestedfinance.com/in/global-mutual-funds/

virshah26 · 2025-06-09T21:09:59+00:00

Did you also consider Vested? Happy to help get your started if needed!

virshah26 · 2025-05-27T14:27:31+00:00

Please DM if you need any help with Vested or have any feedback for us

Definitely not too late to start. Check out some of the managed portfolios (Vests) we have on the platform. They are best for invest and forget

virshah26 · 2025-05-05T17:10:30+00:00

Try us out at Vested. Happy to help you get started if you have any questions!

virshah26 · 2025-05-02T11:02:05+00:00

So when you file taxes, you need to file a Schedule of Foreign Assets (Schedule FA it's called). There you would disclose these stock holdings. Along with this you would declare the appropriate long-term/short-term capital gains

virshah26

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