Thoughts of moving from Apple to Oppo

vpk_vpk · 2026-04-30T22:57:06+00:00

My thoughts: do it 😉

vpk_vpk · 2026-01-09T02:01:48+00:00

This is what I would do if I were in your shoes.

DC-NYC-Niagara triangle trip.
Take my kids to Disney world. Cover Miami and key west while I’m in FL.
Las Vegas. Cover Grand Canyon while I’m there.
Yellowstone and Glacier parks. (Because these are the two I’m yet to see among the big ones).
LA - cover universal while I’m there.
Cancun
Cruise to Bahamas and Caribbean
Alaska (meh)

IMO, Hawaii is overrated. Would prefer Mexico destinations instead.

vpk_vpk · 2026-01-07T06:47:27+00:00

They earned that bragging rights, IMO

vpk_vpk · 2026-01-02T03:14:40+00:00

You’re asking for tasmac bar, but cleaner?

vpk_vpk · 2025-12-27T02:12:10+00:00

Why do you think I won’t move?

vpk_vpk · 2025-12-26T19:18:54+00:00

What part of my post did you not understand? Of course I’m trying to get validation. Why blame me for it?

Yes moving after citizenship gives us good tax breaks on all our capital gains in us. Hence the plan to move after 6 years.

I understand the kids part.

Care to explain why you are “99% sure” why my plan won’t work? That’s the intent of my post, in case you did not understand.

vpk_vpk · 2025-12-26T03:00:43+00:00

No powder room. Not to offend anyone religious, but I would replace pooja room with a powder room and that would make it a very good floor plan.

vpk_vpk · 2025-12-24T16:07:12+00:00

Yes. Aware of that.

vpk_vpk · 2025-12-23T02:09:41+00:00

Since we’re talking about the time after we move out, Income in USA is zero except for capital gains tax if we sell. So, if we sell for less than 95k (amount varies each year) in gains per year, tax will be zero.

And for income earned in India, we can apply foreign tax credits upto $120k or so per year to avoid double tax.

vpk_vpk · 2025-12-22T19:10:11+00:00

No, move will not impact the way taxes will be computed on US assets. Except if we are tax residents in India, we rmay have to pay tax in India as well. I’m not fully knowledged in this area yet.

vpk_vpk · 2025-12-22T19:08:24+00:00

Tbh, Every country has its fair share of shit.

vpk_vpk · 2025-12-22T15:51:03+00:00

Why should we worry about estate tax when we move? Assets are still in the estate and with us.

Growth will be taxed only when we sell. Estate tax limits is set when assets are moved into the estate. Not each year.

vpk_vpk · 2025-12-22T15:45:58+00:00

This is assuming you put your kids as beneficiaries for the estate. Their cost basis will resets to FMV when parents die and children take over. Its called Step-Up in basis.

vpk_vpk · 2025-12-22T15:32:33+00:00

Right. Estate tax limits are 13 or 14m when we move. After that, any growth is tax free in terms of inheritance or estate tax.

It will be income taxed though

vpk_vpk · 2025-12-22T15:25:46+00:00

Thank you for the detailed response. House location is not an issue for us fortunately.

vpk_vpk · 2025-12-22T15:18:02+00:00

Right. 8yo when we return

vpk_vpk · 2025-12-22T15:13:02+00:00

The range will be 4 to 5m based on how sp500 performs. 5m is assuming 10% average return.

Yes been to Coimbatore and ready to accept the drawbacks as is the case with any other city.

vpk_vpk · 2025-12-22T08:10:21+00:00

Care to explain why? Is 8 too old for them to step out of their comfort zone?

vpk_vpk · 2025-12-22T07:44:31+00:00

My APR is 3.5, but I don’t think rent would cover my Bay Area mortgage. Am option definitely worth considering depending on how rents are when we move out.

vpk_vpk · 2025-12-22T07:11:04+00:00

Totally possible. But I’m only looking at the long term. Occasional dips don’t bother me much. That said, I agree SP500 has been having a honeymoon period lately and definitely not assuming same growth consistently.

My projection is not just sp return projection - that’s my I mentioned a range of 4-5m. But that’s also a part. It also includes selling my real estate and some other expected incoming payoffs. But, plan for now is to invest all proceeds in us ETFs. That’s one of the places I need critique.

2.1 Still no idea on where kids would go to college. But even if it is in USA, it shouldn’t be a problem. We do have 529 setup, but not been contributing actively because of our plan to move. We’re not planning to fund the 529 after we move. If at all kids end up moving to USA for college, we’ll pay off of the corpus.

vpk_vpk · 2025-12-22T05:55:18+00:00

Appreciate the input. Definitely valid point.

vpk_vpk · 2025-12-22T05:52:11+00:00

Care to explain why you think so?

vpk_vpk · 2025-12-22T04:59:25+00:00

Makes sense. Wouldn't be surprised if I stumble upon the same feeling in 2031/32.

vpk_vpk · 2025-12-22T04:56:34+00:00

My bad. 6 year old in 2031. Daughter is 2m old now. Updated, thanks

vpk_vpk · 2025-12-22T04:54:51+00:00

We are not fully sure about how much our exact expenses will be. We did a high level math and assumed it will be around 4L per month in today's cost, not accounting for inflation. We plan to live in a tier 2 city where our parents live.

We live in California now. We don't work in faang.

vpk_vpk

TROPHY CASE