Questions, answered.

It is, and we expect most of our clients’ wealth to stay in India. But economic growth and stock returns are not the same thing, and no market wins every decade.

Valuations matter, which is why we never put everything in one market or invest in one go.

It can, and in some years it has. That’s why we size global allocation to your goals rather than betting on the currency.

Indian mutual funds have faced industry-wide limits on overseas investment, and some have paused new money. Investing directly opens the full range of global funds, often at lower cost. More →

$10,000.

2% a year on portfolios from $10,000, falling in steps to 1% above $1 million. That fee is the only money we earn from you.

We build the plan; you decide and you own. Your account is in your name at Interactive Brokers, with your own login.

No. Interactive Brokers’ trading charges pass through at cost, with no markup.

Not yet. We currently serve resident Indians investing under LRS.

Your account is in your own name and your assets are segregated from the broker’s. Interactive Brokers LLC is a SIPC member, covering up to $500,000 including $250,000 cash, with additional cover through Lloyd’s of London. More on safety →

No. We can build your portfolio, but withdrawals go only to a bank account in your name, and only you can request them.

Nothing changes. The account and investments are yours at Interactive Brokers, and you keep full access.

Sell, then request a withdrawal to your Indian bank account from your Interactive Brokers login. It usually arrives in a few working days.

Mostly low-cost global index funds, chosen for your goals, usually Irish-domiciled to avoid US estate tax. Why domicile matters →

Yes. Each of you has your own $250,000 LRS limit and ₹10 lakh TCS threshold. We plan the two accounts as one family portfolio.

Yes. The RBI permits resident individuals to remit up to $250,000 a year for overseas investment under the Liberalised Remittance Scheme.

20% on remittances above ₹10 lakh in a financial year. It is an advance tax you adjust when you file your return.

Generally not. US tax withheld on dividends is credited in India under the tax treaty, and capital gains are taxed in India.

Yes. Non-US persons with more than $60,000 in US-located assets can face US estate tax.

Your CA does. We give you an annual summary that makes it straightforward.

Held more than 24 months: 12.5% without indexation. Held less: at your slab rate. The ₹1.25 lakh exemption doesn’t apply. Full guide →

Not under LRS. Remitting money for margin or margin calls is prohibited, so we build cash portfolios only.

Money sent under LRS and left uninvested should be invested or brought back within 180 days.

Yes. A minor can use LRS with a parent countersigning. Income on money you give a minor child is generally taxed in your hands.

It is growing, but the range and liquidity are still limited, and it still uses LRS. How they compare →