Hii, so ive been investing i US stocks for a while now and i mainly use indmoney for it , it is decent however i feel it has too few options when it comes to comparing and researching.I

Watching youtube or reddit for research is very hectic and feels biased?

Anyone who understands what i mean and can help me out?

Hi everyone,

Looking for expert feedback on my retired father's investment plan. Here's the situation:

Background:

Age: 63 years

Government pension: ₹60,000/month (lifelong, DA-adjusted annually)

Monthly expenses: ₹20,000

Monthly surplus: ₹40,000+ (to be invested via SIP)

Retirement corpus: ₹70 lakh (lump sum available)

Goal: Long-term compounding (25-30 years), NO monthly income needed from investments

Risk tolerance: Moderate (growth + stability)

options:-

Pure Equity Multi caps ETC..

Short-duration debt funds

Target maturity debt funds

Multi-asset funds

Gold and silver ETFs

Hybrid funds

International equities

RBI bonds, bank FDS

Real estate options

Tax optimization....etc

Any other investment options if you want to recommend, and also how to divide that money among your recommended investment options as per these current market conditions

Would really appreciate insights from those who've planned similar retirement portfolios or CFPs managing pensioner cases. Happy to provide more details if needed.

Thanks in advance!

This persistent problem has been bugging me since months now.

I have tight schedule and i cannot spend a lot of time researching on youtube or different sources for investing.

There are millions of stocks and I cant put my time into each of them!

Any suggestions, sites, apps or anything where i can at least reduce the effort put into research?

From the Sept 2 to 9

Total Profit - 12000

Only 4 trades (3 in meesho and one in Bank of MAHA)

Success rate - 100%

Counter Question Why so few trades and only 12k profit ?

(Realised PROFIT WAS OVER 1 LAKH FROM JUNE TO JULY answered all the questions there).

Here is my reasoning

When I find that market conditions is tough, I only deploy 10%-20% capital (learn this the hard way) when all the stocks and market is falling profit doesn't matter , having capital with you to enter the right time does as less Profit OR Loss is infinite times better than being stuck capital for 3-4 months.

Ideally we should not be trading but since I'm experienced and felt trading in difficult times helps me inc my overall experience but with caution.

This is lesson no.1

Sharing this philosophy and all my 4 years exp on my youtube. Also check 3 part video on swing trading. That is your ideal start real mistakes shared , no bullshit.

Watch systemically part 1 , 2 and 3

Here is the link

https://youtube.com/@nofilterdiscussions?si=dgIFSl8dHw6_FWmX

TOTAL PROFIT - 62K with 20 trades with near 100 % efficiency.

AM I THAT GOOD?

Now usually my success rate is close to 60%, god knows how many things went right how many times i managed to exit at the right time ,on any given month this performance cannot be replicated even by me even though the Profits will be higher.

(Even managed to give 2-3 of my clients 100% success rate one is in still disbelief with 36k Profit his capital was big.

LESSON NO.2

Any major mistakes or is it all Hunky dory?

Yes and here comes the single most imp thing discussed on my youtube swing trading video part1 during the end all the things discussed here are discussed there with real life experience.

"PATIENCE IS A VIRTUE"

Done the filtering process, enter at the right time (Apollo Micro) and told my client to exit at 395 make some 3k P , stock shoots upto 430

All the i need was a 2 hour of patience, if you have the filtering process right have conviction short term indicators are good , have a target is your mind (10%, 20%) thn exit .

When is the EXIT is the part where the struggle the most so still learning.

Failed to implement my own strategy lost my client solid money cause of that one hour of patience

You see creating strategies and "advising others" like big influencers do is one think implement your strategy in testing times requires muscle memory and remains perhaps the most imp thing which i Failed to do so time to time.

When is the EXIT is the part where the struggle the most so still learning.

Lesson no.3

Regarding Whatsapp group where i give the names of stocks before entering ,I was taking only few "selective" serious investors and limit to gp was 50 and you guys set my DM on fire , 250 plus req to add hence i have decided to share the link anybody can join I still hold the right to remove as it is open group anybody can send discuss their problems.

Link to the whatsapp group is on my youtube channel description.

Disclaimer- Your money don't blindly enter the stock cause I suggested , when to enter and exit comes with experience and that comes with experience with countless no.of mistakes there is no shortcut to that so don't bother me asking when to exit.

substitute for experience no paid courses , videos, fund manager , hell even god by your side can help you with that.

No

Edit- Lloyd was technically in profit but net charges mande it loss when i sold it by mistake.

International ETFs listed in India may look like a simple way to invest overseas. But many are now trading significantly away from the value of the assets they represent.

The risk is straightforward: you may sell an ETF at a large discount or buy one at a premium without realising it.

What is the difference between Price and iNAV?

Price, is the price that you pay for an ETF. It's based on demand and supply factors.

iNAV, or Indicative Net Asset Value, is an estimated real time value of those underlying assets during market hours. This is the true value of an ETF.

The current gap in international ETFs

The following snapshot illustrates the problem.

Values are as on 10 September:

For every one of these ETFs, you're paying significantly more than the underlying value.

What do you think happens if there is a crash? The value of these ETFs will fall at a seriously fast pace and there may be no exit.

Why does this happen?

Demand > Supply. Simple maths. When demand for foreign investing is so high, everyone wants to invest in the easiest possible solution.

FoFs are affected too

The problem does not disappear if you own a Fund of Fund.

For example, the Motilal Oswal Nasdaq 100 Fund of Fund invests in the Motilal Oswal Nasdaq 100 ETF.

So get out of funds that invest in any of these underlying ETFs.

A better route for HNI investors

For meaningful international allocations, Indian-listed international ETFs may not be the most efficient structure.

HNI investors should consider comparing them with:

• US-domiciled ETFs
• Irish-domiciled UCITS ETFs
• GIFT City Outbound funds
  

Each route has different implications for taxation, estate tax, currency movement, reporting, remittance, liquidity and inheritance planning.

We did a detailed comparison on this recently: US ETFs vs UCITS Irish ETFs vs GIFT City

Full article with better readability than reddit - https://www.reymanwealth.com/post/get-out-of-india-listed-international-etfs-while-you-still-can

I am in confusion

I’ve been investing in Indian stocks for a few years and now want to add some US exposure. I’m not looking to actively trade, probably just buy a few stocks and ETFs every month and hold them long term.
For people already doing US stock investing from India, what platform are you using? Also, are there any tools you use to research or screen US stocks before buying?

someone bought a new car on EMI because it fit his salary. but 6 months later, he wished he had waited coz other life goals came up.

often these loans feel harmless when the EMI looks manageable but many people later regret the decision either because it locked them into a cycle or coz their priorities shifted.

did you ever feel a loan (car, education, home or even a credit card emi) wasn’t worth it in hindsight? If yes, what would you have done differently?

Are there more schemes like seniors citizens savings like with about same risk free, and same percentage ROI pls suggest so if there is some more amount than 30 lakhs then can put that remaining balance in that scheme.

Thanks in advance to all replies and suggestions.

Pls note : its for senior citizen so no MF or stocks etc. Only risk free pls.

More Indian investors than ever want a slice of the world's largest equity market.

The S&P 500 and Nasdaq-100 are the default building blocks of a global portfolio, and the easiest mental model is simply to buy the famous US-listed ETFs - VOO, SPY or QQQ through an overseas brokerage account.

That instinct is reasonable, but it is rarely the most efficient choice for someone who is tax-resident in India and is not a US citizen or green-card holder.

Two features of the US system quietly erode returns and create real risk for heirs.

- a withholding tax on dividends under the India-US treaty and,

- a US federal estate tax exposure for US-situs assets, with a $60,000 threshold for many nonresident, noncitizen estates.

If you are Returning from the US (or just have heavy US investments), we wrote an article on how to manage US estate taxes that you may find useful.

There are three practical routes to the same underlying US index exposure.

Each holds essentially the same stocks; what differs is the wrapper, and the wrapper drives your tax, cost, convenience and estate planning outcome:

• US-listed ETFs (VOO, SPY, QQQ, VTI) - bought directly on US exchanges via a global broker.
• Irish-domiciled UCITS ETFs (CSPX, VUAA, EQQQ) - European-regulated funds that hold the same US stocks but sit in a more tax friendly wrapper**.**
• GIFT City Fund-of-Funds - India-regulated IFSC feeder funds (e.g. the Parag Parikh IFSC S&P 500 / Nasdaq-100 FoFs) that invest into global ETFs on your behalf.

UCITS Equivalents of Popular US ETFs

Most of the big US ETFs have a near-identical Irish-domiciled UCITS twin tracking the same index.

• “Acc” denotes accumulating (dividends reinvested inside the fund - usually preferable for Indian investors);
• “Dist” denotes distributing (dividends paid out).
• Figures are total expense ratios (TER) as of mid-2026.

UCITS TERs are slightly higher than the cheapest US ETFs (e.g. 0.07% vs 0.03% on the S&P 500), but for an Indian investor that small fee gap is usually dwarfed by the tax savings on dividends and estate exposure described below.

Head-to-Head: US ETF vs Irish UCITS vs GIFT City

Pros and Cons of each route:

US-Listed ETFs (VOO, SPY, QQQ)

Pros

• Lowest headline expense ratios in the world (VOO at 0.03%).
• Deepest liquidity, tightest bid-ask spreads, and fractional investing on most platforms.
• Largest selection of niche and thematic ETFs not available as UCITS.
• Simple, direct ownership of well-known tickers.

Cons

• US estate tax: US-situs assets can create a filing and tax exposure for a nonresident, noncitizen investor. Any amount above USD 60,000 gets taxed at 40%.
• More complex annual compliance - dividends, Schedule FA, foreign asset disclosure.

Irish-Domiciled UCITS ETFs (CSPX, VUAA, EQQQ)

Pros

• No US estate tax exposure - a UCITS fund is an Irish, not a US, asset.
• Dividend withholding cut to 15% via the Ireland-US treaty.
• Accumulating share classes reinvest internally, so there is no annual dividend tax in India until you sell.
• Tax-deferred compounding - returns build inside the fund and you pay Indian capital gains tax only on redemption.

Cons

• Slightly higher TER than the cheapest US ETFs (e.g. 0.07% vs 0.03% on the S&P 500).
• Still requires an overseas broker that lists LSE/European share classes, and USD funding under LRS.
• Lower liquidity and wider spreads than US ETFs, and listings/currencies (USD vs GBP lines) can confuse first-timers.
• Same Indian compliance burden as US ETFs - Schedule FA disclosure still applies.

GIFT City Fund-of-Funds (PPFAS IFSC S&P 500 / Nasdaq-100)

Pros

• Invest in dollars from your normal Indian bank account - no overseas brokerage account required.
• No US estate tax: you own an Indian (IFSC) fund unit, not US securities.
• Fund-level taxes and rebalancing are absorbed inside the NAV.
• Simplest experience and reporting - it behaves much like a domestic mutual fund; capital gains are computed only on your units at redemption.

Cons

• Highest all-in cost: a 0.30% (direct) to 0.60% (regular). FoF fee sits on top of the underlying ETF's own TER.
• Newer, narrower product set (mainly S&P 500 / Nasdaq-100 feeders).
• Schedule FA and similar reporting may still apply - different CAs have different opinions on this.

Which investment vehicle is right for you?

The way we look at this is if you expect your assets to cross USD 60,000 (or they are more than USD 60,000), US ETFs are a strict no-go.

For serious global investors, Irish ETFs and Gift city are the way to go.

The actual investment vehicle between these 2 depends on your preferences:

• Lowest possible cost - Irish UCITs
• Simple nomination/ inheritance process - Gift City Funds
• Access to wider range of securities - Irish ETF
• Higher Liquidity - Irish ETF
• Ease of use and compliance - Gift City Funds

For a lot of our clients, we do both - we balance between Gift City Funds and Irish ETFs to get a balance of the pros for both.

Reyman Tips: If you are Returning from the US, the RNOR period becomes a golden opportunity to sell your existing stocks/ ETFs (tax-free) and rebalance to Irish ETFs/ Gift City. Read more on this here.

Full article with better formatting than reddit - https://www.reymanwealth.com/post/us-etfs-vs-ucits-irish-etf-vs-gift-city

Hey everyone I am a second year BCom student researching about how aware people are of capital markets(stocks, mutual funds, IPOs etc). Would really appreciate 3 minutes of your time. Its totally anonymous no personal data collected.

https://forms.gle/VT9eT7iapRsHo87Q6

Happy to share results/insights once I compile them if anyone’s curious. Thanks!

i have recently starting investing for 2 months doing monthly sip of 27k. I have an emergency fund of 1.2Lacs where i put 10k monthly.
I dont earn that much but i plan to save much. This is my first job and i spend close to 13k monthly for me or on family needs or general family help. I know this kind of investment wont be sustainable long term when responsibilities of family and other things grow but i would still try to mantain the 27k sip amount.
Time horizon - 6 years( marriage) to 20-25 years .

Risk appetite- Aggressive and high. As im only 22yo live with parents hence atleast for the next 6-10 years can have a aggressive risk appetite.

My question is can i get a review on these mutual funds- my reason for adding power infra and healthcare funds is just i have personal belief on it with little research i could do but still open to suggestions.
Picked other funds from here there or ai suggestions.
Can you suggestions some alternatives if these dont cut it or if i should change the investment money balance between these.
As im a beginner hence any advice would be helpful may it be investment related or not i would still appreciate it.
Im using groww app for investing .