Guide to Investing in US Stocks through LRS

AMCs are not able to invest in US stocks due to the imposition of restrictions by RBI. But Indians can invest in US stocks through LRS. Investing in US stocks offers a fantastic opportunity to diversify your portfolio & create wealth by investing in US companies and brands you use daily like Apple, Google, Meta, Spotify, Netflix, and Amazon and gain exposure to some of the world’s largest and most influential companies  For Indian investors looking to explore international markets, the Liberalized Remittance Scheme (LRS) provides an easy and legal route to transfer funds abroad and invest in US stocks. […]

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A Guide to Opening a Bank Account & Investment in India for U.S. Citizens

U.S. citizens can open bank accounts in India, but there are specific rules and account types based on their residency status. Whether you’re an NRI (Non-Resident Indian), OCI (Overseas Citizen of India), or PIO (Person of Indian Origin), you can open a bank account in India under certain conditions. Why Open a Bank Account in India? As a US citizen with financial ties to India, having a local bank account can make managing rental income, investments, inheritance, and asset sales easier. It also simplifies sending money to family, using services like UPI, and accessing debit cards when visiting India. Without […]

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New Year ; 2025 : Return on life (ROL)

 We are all familiar with ROI (Return on Investment) but not with ROL (Return on Life). Money is only part of the peace and happiness in life. Many people are so occupied with the career trap that they seem to care little about what happens when they leave their jobs. They have planned little about other aspects of their lives; they seem to feel retirement will take care of itself. But this is not true.   Money has no value in itself. Money is useful only in terms of what you can do with it. Money is a terrible master but […]

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Desktop, Browser and Email Security

We blogged last week on Data Security and Password Management. The Government of India has taken initiatives to educate the users on the best practices that must be followed to protect them from different cyber security attacks and cyber threats. Nowadays, cyber attackers can hack your computer and access your saved data and all other information. There is a need for best practices that protect users and their data from threats like malware, phishing, and data breaches from Hackers or Cyber attackers.  The precautions as initiated by CERT-In (The Indian Computer Emergency Response Team) concerning Desktop, Browser and Email Security are […]

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Data Security and Password Management

Cyber frauds have become a big menace. The fraudsters are using innovative methods to defraud gullible citizens. The Senior Citizens are the worst victims. Online transactions are becoming universal for all. Taking precautions is the only option. The Government has taken initiatives to educate the users on the best practices that must be followed to protect them from different cyber security attacks and cyber threats. The precautions as initiated by CERT-In  (The Indian Computer Emergency Response Team) concerning Data Security and Password Management are as follows; Data Security: Password Management: The Indian Computer Emergency Response Team (CERT-In) is a Government Organization […]

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National Pension System (NPS): A useful retirement scheme

What is NPS? The Central Government had introduced the National Pension System (NPS) with effect from January 1, 2004. NPS has been opened to all Indian citizens voluntarily by the Pension Fund Regulatory and Development Authority (PFRDA). How does NPS works? NPS investment encourages people to invest in a regular interval during the course of their employment and helps in building the retirement corpus. After retirement, we can choose to withdraw 60% of the total amount and the remaining amount 40% should be used to purchase an annuity which will be a regular income post-retirement. 2.Types of NPS Account: 2.1.1. NPS […]

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2023: The Year of Hope and Optimism!

We started 2022 with peak of equity market followed by Ukraine war, historical high US inflation rate, hikes in interest rate by central Banks and oil price volatility. The market reacted adversely to global uncertainties. The latest uncertainty is the bizarre China Covid 19 policy. But India has handled Covid effectively, managed macro-economic fundamentals well amidst uncertainties. The inflation has started moderating, is below 6% now and likely to go down further as per RBI’s assessment. As per IMF, India is the highest GDP growing economy in the world today. The credit growth has picked up and non food credit […]

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How to make fear work in your favour

1) There is always, always, always something to fear when to comes to the stock market. Fear is good because it’s the fear that creates opportunities. Rather than avoid fear, you should welcome it. It is in the grip of stock market fear and exuberance that the most money is made in the shortest timeframe. 2) When fear starts, we perpetuate it. Fear is great for us, for the financial media, the brokers, the financial planners, the fund managers, for financial advisers, in fact it’s great for the whole finance industry. Why? Because fear triggers insecurity which drives investors to […]

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Investing through ETFs

We normally associate investment risk with loss of capital, fluctuation or volatility in prices of listed securities, foreign exchange risk, stock picking risk and so on. The impact of ‘illiquidity’ is also an important risk in listed securities like stocks and exchange traded-funds (ETFs). Illiquidity risk in Real Estate Real estate is plagued with illiquidity risk and this is well understood by most people, however, the same parameter is somewhat misunderstood in listed securities such as ETFs. Sometimes in an hour of crisis we may be forced to sell assets like our house with distress selling wherein lack of liquidity […]

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You can go for SIPs in NPS (Tier I and Tier II)

National Pension Scheme (NPS) is one of the popular retirement savings schemes in India. Now you can invest through systematic investment plan (SIP) facility to make periodic contributions to your NPS account. For this one must have an NPS account with active permanent retirement account number (PRAN). Please visit our blog https://www.maxsecfp.in/how-to-open-nps-account-online/. You can create SIP in NPS in two ways. 1.One way is to approach the bank (POP- Point of Presence) in which you opened your NPS account and provide a standing instruction to the bank to make periodic payments to your NPS account. 2. The other way is […]

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