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401k Plans – US-India Tax Implications & related considerations
Last Updated – May 01, 2026 401k is an employer sponsored retirement plan in the US and a powerful and tax-advantaged way to help employees save regularly and build a decent retirement corpus. So, most of the Indian expats in the US regularly invest a portion of their salary income in 401k. The confusion arises…
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USC doing business via S-Corp after return to India – US-India Tax & related implications
Last Updated – Jan 15, 2025 Many a times a US resident (mostly US Citizen) has an active business in US via a S-Corp entity structure but he/she has to return to India for family or other compelling personal reasons. The question of such clients is how would the S-Corp entity profits gets taxed in…
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Gift City Investments by US returnees – US/India Tax & FEMA implications
Last updated – December 31, 2025 US NRIs who are non-citizens non-domiciliary of US and plan to return to India and have significant investments back in the US and don’t want to move everything to India in INR suffer from the risk of estate tax on their US investments – basically their US-situs investments >…
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Investment in Irish ETFs by US returnees to avoid US estate tax – Tax & Other Implications
Today I want to write about Irish Domiciled ETFs which may be a solution to the estate tax problem of returning NRIs from US who wish to retain their exposure to US markets without the US estate tax risk. Important caution before we proceed – This post is meant for non-US Citizens/GC holders only. If…
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Buying pure term insurance in India to cover US estate tax risk – Some considerations
Last updated on – Nov 26, 2025 Buying a pure term insurance in India is a relatively straightforward and low cost way to avoid estate tax if you plan to keep funds in US. I have some points on this aspects as below. Your first priority should be to reduce exposure to US domiciled investments…
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Indian Resident Individual planning to Incorporate in US? Ensure Compliance with Indian FEMA Law
With the rise in Indian solopreneurs, consultants, freelancers, and startup founders expanding operations globally—particularly in the United States—creating an overseas business entity like a Delaware C-Corp or LLC is a common route. However, if you are a resident in India as per FEMA (Foreign Exchange Management Act), any such investment or incorporation overseas must be…
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How US-Based NRIs Can Create a Tax-Efficient Regular Income Stream for Family Members in India
Last Updated – August 07, 2025 For many Non-Resident Indians (NRIs) living in the United States, there’s a growing desire to support aging parents or dependent family members back in India through a regular, tax-efficient income stream. However, navigating this seemingly simple objective involves a maze of regulatory pitfalls and cross-border tax traps — particularly…
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Laid Off on H‑1B in 2025? Here’s Your Comprehensive Financial and Exit Planning Guide if You Must Return to India
Introduction Being laid off while on an H-1B visa has always been a high-stress situation. But in 2025, that stress has amplified due to significant changes in the U.S. political landscape, a growingly restrictive immigration environment, and mass layoffs within the tech and federal sectors. With the reinstatement of Trump-era policies under a new administration,…
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Tax Provisions in the One Big Beautiful Bill Act, 2025: A Guide for US-based NRIs
Introduction On July 4, 2025, Congress enacted the One Big Beautiful Bill Act (OBBBA), representing the most comprehensive individual tax overhaul since the 2017 Tax Cuts and Jobs Act. While many headlines focused on corporate and energy incentives, OBBBA also cements key tax rates, preserves popular deductions, and introduces an array of new benefits—both permanent and time‑limited.…
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Trading in US Futures and Options after Return to India
With the increasing participation of Indian-origin investors in US markets via platforms like Interactive Brokers, TD Ameritrade, and Charles Schwab, a common query arises when these individuals return to India permanently: Can they continue to trade in US futures and options (F&O) contracts after return to India? And what are the regulatory, tax, and compliance…