A comparison of US and Indian investing that accounts for returns, rupee depreciation, taxes, LRS costs, fees and compounding.
What Indians should ask before investing in the US
This video considers whether US investing is worthwhile for an Indian resident. It starts with the attraction: access to global businesses, a deep market and potential diversification. It then asks whether those advantages survive currency conversion, taxes, remittance costs and the investor’s own objectives.
Returns are only one layer
The analysis highlights the practical frictions around taking money abroad and bringing it back. Currency can help or hurt a rupee-based investor, while product structure and tax treatment can materially alter the net result. A US holding should therefore be assessed alongside Indian assets, not in isolation.
Build a deliberate allocation
The useful decision is rarely all-or-nothing. Define why an overseas allocation belongs in the plan, the proportion it should represent and the route used to own it. Personal tax and regulatory details matter, so confirm the implementation with an adviser who understands the investor’s residency and reporting obligations.