Category: 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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Should I withdraw my 401K/IRA on return to India?
Important note – This post is dated. Please check updated post here – https://abhinavgulechha.com/401k-traditional-ira-withdrawal-scenarios-on-return-to-india/ What to do with your 401K/IRA after return to India is an important decision for many returning NRI families given that if you’ve stayed out of India for long, this forms a good chunk of the overall investment corpus. However, answer…
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Taxation of UK Individual Savings Accounts (ISA) in India
Recently I was working on a tax opinion for a returnee doctor formerly employed in NHS UK. (Also read: Returning NRI Financial Checklist) During review of my client’s investments, I came across something known as an “Individual Savings Account (ISA)” in UK. Being tax free in UK, he did not bother to offer the income…
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What should I do with my NRE FD on return to India
Today I will be writing about a very pertinent question that is in the mind of 99% of NRIs who return to India after staying away for a long time. From my professional work experience I can say that mostly the investment portfolio of these NRIs (especially those returning from Middle East) is heavily tilted…