Which Is Better ? Investing In Dollars v/s INRFind Answer Here 

I invested 40,000 rupees in 2008 , that time it was around 42-43/$ , so about $1000. That time i did not know i would be moving to USA. the fund maturity was 2018 and, I held it till 2022 and the same amount was around 83000. Now the $/rupee rate is $80. so its still $1050 . so a gain of $50 in 12 yrs. thats why i dont invest in india.

The problem is moving money out (taking profits) of India is a pain. Until that's fixed by the Indian govt, I won't be investing in India.

It is best to keep money abroad until and unless you plan to return to India. At that point the rupee would have depreciated more too.

I know my friends invested in India 15yrs back (by transferring $ to Rs to 38-45 range. Though it appreciated in India, but brining back to US is at 85 range. So net return reduced a lot (vs invested same amount in $ in USA since then). Ofcourse no one knows future!!

Most major tech companies are based in the US. Putting that aside, you can buy properties in the US with as little as a 3% down payment, which is nearly impossible in India. In India, even with a 20% down payment, the high interest rates make it difficult for most people to purchase a home or generate income as easily as in the US. Additionally, US mortgage interest rates are fixed for 30 years, a scenario unlikely in India, where the high rates are used to control inflation. In the US, if you buy a property with a fixed-rate mortgage, your payments remain the same even if inflation rises. The US housing market is struggling to meet demand and will likely face this challenge for the next 10-15 years due to a growing population. Both Wall Street and Main Street are favorable in the US. I don't see a scenario where investing in India would be more beneficial unless you are a wealthy individual looking for places to park your money.

For NRI’s, Stay in India if you want to with minimum home and daily expenses. But invest in US market and keep your accounts in USA. Get the interest from your investments and enjoy in India. If you keep your accounts in USA, it will be easy to transfer the wealth to kids if something goes wrong.. from India to get the money to US is almost difficult and US born kids will not go for it..

I keep telling both friends and family; Now is the perfect time to own a Tech Stock, With everything going on and seeing how the world is been run by AI and all Tech is here to stay and you don’t want to miss it

The key difference is the inflation data from USA is real but Indian inflation is not reliable , do you really think the ground reality or the practical inflation is in line with RBI report ? If yes , then joke is on us . Realtime inflation in India is much higher than what government says .

We should think longer term, if one decides to say abroad taking money to India is not a better choice. Bringing back money is tedious

Rupee depreciation is a long term certainty. No question about that- unless you are a forex trader, which barely anyone reading these comments is. Depreciation is also because of trade deficit, which is NOT going to change in mid term… consider an average about 5-6% depreciation so if you earn 16 percent in India, actual returns are 10% in dollar terms. Reduce another 1-2% lost in 2 way conversion. Plus add the biggest pain - that of remittances. NOT easy taking money from India. How does it make sense for someone who’s long term plans are not in India living

Inflation 8-9%, currency depreciation 4%, and tax on top of that, returns have to be 20%+

Keeping 4% inflation in India is almost next to impossible. RBI can dream but not all dreams come true.

We can always invest in India etfs In dollars that is good enough to get the bids exposure

Wow...This knowledge not only for Indians...it is for everyone...valuable lessons. Im a sri lankan❤ 🇱🇰 from Abudabi.

In the last 40 years, real estate investments in Dubai have yielded much better returns than in Delhi or Mumbai. This is my personal experience. I got RS 7.5 for the first dollar I earned almost 50 years back. Today, when I calculate, I find that Rs depreciates by 5 % CAGR. V/s the Dollars.

Investing is dollar is good for better return. Investing is rupee is just a emotion.

Awesome sir you’re so detailed and so informative. Very useful for NRIs.

Invest in equities and other assets wherecyou can have ready access.

You have no idea of the problem of taking money out of India . Your podcast is very empirical . Kindly check your calculations . And full of DIsinformation .

In short rupee is not a good currency to invest because India is a country with many problems, whether it is geopolitical issues, corruption, huge and diverse population or external factors like big powers like China and America. But if invested wisely returns may be higher since there are many sectors that have potential to grow. If you’re investing in fixed deposits in India, you will lose out because don’t expect rupees to strengthen. Secondly, interest rates for FDs in USD are quite high. HELLO MR. BHAT. NICE MEETING YOU IN UDUPI.😊

It's a no brainer. Anybody buying NASDAQ / tech companies has done amazingly well. So be in US Dollars and buy tech stocks.

FATCA, or the Foreign Account Tax Compliance Act, is a law that helps prevent tax evasion by Americans using foreign accounts. Here’s what it does in simple terms: It requires U.S. citizens and residents to report their foreign financial assets to the IRS for tax purposes. It also requires foreign financial institutions to report on the assets held by U.S. account holders. The main goal of FATCA is to ensure that Americans are paying taxes on money they keep abroad, and it helps the U.S. government track these assets for tax compliance

As long as FREE money is distributed to people, none of what you anticipate towards the growth of India happens, and inflation would remain or worsen. God bless India

In the long run, the rupee depreciate at the rate of around 3% per annum against dollar. This will keep happening till there is a difference between the interest rates in India and US. Interest rates and inflation in India are around 3-4% more than US. So is reflected in the dollar price in long run. If rupees becomes stable against dollar and India keep giving more interest rates, why would anyone invest in US? Same reflects in the GDP and stock market growth. In normal situation, it does not matter which currency are you investing in. If you are in US, invest jn dollars else invest in rupees to avoid the expense of exchange rate. In the current scenario, both US and India stock markets appear to be expensive. But US market appears to be more expensive than India. US market cap by gdp is sitting at 1.94 whim India is sitting at 1.2.

*India have built up a lot of Oil reserves from Russia, for very low cost and have been re-selling to the west for high returns 😊*

Superbly explained❤ You can also allocate/invest in BOTH currencies to avert currency & or inflationary changes. It’s a great hedge🙏🏽

Robinhood gives 5% PA why will any one do a FCNR 😂

Rupee value decreasing to the lowest level. How can we trust that it will be appreciated in the future? In the month of June it was down by 0.37%.

I am already tired of the KYC’s, imagine repatriating money to USA. It’s a pain.

What is the TAX implications on the Investment in USD/outside india after NRI (mainly Middle East ) go back to India?

*Dr Bhat, when India joins BRICS would it be better to convert to this new currency ?* 😊

How difficult to move NRE INR Fix Deposit from Banks on maturity to foreign country

Excellent advice 💯

There's a narrative going around that rupee will be appreciating against dollar next 5yrs. 1USD < 50 INR

Always good updates from your end.

Very detailed well researched well taught video. Thanks a lot Mr Bhat.

Sir can you please share any video on steps to make FCNR deposit..banks steps are very confusing

You are so GOOD Dr Bhat

Excellent video !!

Investing in properties in Indis is a hassle..A.at the time of buying, sellers would demand cash ( values lower on paper) ..B. at the time of selling its difficult to find buyers who are willing to pay 100% on paper.. Better off not investing in India. Even if someone wants to invest better invest in assets that can be quickly sold..

NRIs can invest in India in dollars itself. For example, there are ETFs like INDA ETF from iShares in USA (Similar to QDV5 ETF available in EU countries for investing in India using EUROs)

No sorry.. no more investment in india.. Had bad experience.. Us stock market is good very robust.. corporate governance is lot better

Invest in the country where you live. Every country has its own laws.

Sir thanks pls. Make video on FCNR account procedure and returns etc ....❤

It’s a pain to do anything in India. Just because you are NRI , you are treated as 3rd class citizen despite adding so much to economy. Also, government outlook is same as colonial mindset that everyone is thief and so much complications when it comes to taxation and nothing is streamlined despite digital india. I feel like most people don’t do taxes within india due to complications involved and also with DTAA coming into play it is very cumbersome as USA and india financial calendars don’t match. Unless there is ease on taxes and account management for investment. Most people will refrain from INR investment unless you are big corp who can manage all red tapes and paper work. For middle class , suffering is not worth it.

Saudi not renewing the 50 year agreement on petro dollar will weaken the dollar. BRICS currency is declared this year that also will be an alternative for USD. Likelihood of USD getting weak is real.

I think you are imagining about arms exports to be increasing and talking about atmnirbhar. Also about more FDI. During the last 50 years for how many months has the value of Indian rupee gone up

Thank you for this video

Thanks for the advice

Exceptional video and absolutely true.

Thank you for the information 🙏 Sir

With hundreds and thousands of wealthy indians giving up citizenship and millinials moving out of India due to high taxes and poor services in India, it will make the conditions worse in India. Middle and poor class people can't generate employment and investments. In the long term, I think it's gonna be a rough ride in India.

We can tell 1000 companies in USA which are good and paying good dividends but in India you can not 100 companies which are good and trust worthy. Example Byjus, PayTM , Sahara etc etc. can you talk about this also in your future videos?

Investing in India and taking it back is a pain. Better to keep it in India and retire in India.

Videke mind dobbinde, rupee appreciation means dollor should collapse. As simple as that. Investing in India means u need the amount to be more than four times to get double in dollars

Right now afghan currency is 18% stronger then ₹ this is very shameful I don’t know about how much fdi coming to india but daily evening you can see how much Fiis selling india

Which bank has better customer service from India?

India. Government doesn't want NRI to invest.

During the last 10 years: 1) Exchange stability was brought about by RBI intervention most of the times 2) Statistics from Indian government and agencies is taken with a large dose (a fistful, infact) of salt by the international decision makers. 3) A large part of the FI investments in the Indian stock markets comes from tax havens, reportedly round tripping by Indians with questionable integrity and morals

Sir, In ITR2 there is an option for schedule exempt income. For NRI, is it mandatory to add income under head 'Income claimed as not chargable to tax as per DTAA' ? If so what would be nature of income, article of DTAA ?

Bhai Sahib you just started the confusion points and did not give a clear answer

Thank you

I need some personal advice I think.

FDI argument is questionable. FDI in markets is definitely an unpredictable investment. With the current corruption level and goverenence issues FDI investment compared to other developing countries is definitely not popular.

India investment looks good. Lets take todays number. 5% APR in USA . 7.2% in India NRE. $ to inr as 82.44. inr back to $ as 85. Repatriation fee close to $20 on $10k consider as GST,One time fees etc . So $10k brings back $240 more per year than if in usa ....Breakeven if $ reached 116 which is unlikely, and even if it reaches to it , redundant if SIP is on. Also nre to usa account transfer has no limits. 100k per transaction however. Nre interest is tax free too.

Can someone working in Canada with resident status in Canada, invest in Indian mutual funds? I was told that I cannot. !?

Invest in USA . Simple

I lost interest as soon as you said the inflation is the same! Lol

MSC India etf

This is just brokers trying to sell products on commission making up stuff….

INR should appreciate in next 19 months for sure ❤

1st

The Rupee has depreciated by 4 To 5 % on a CAGR basis in the last 50 years. NRIs should take this for granted when they do financial planning.

For Retirement Planning, Thailand is a better destination than India. And for appreciation, Bitcoin is the investment for NRI's

A very long and boring video.

🇮🇳 ❤

Investing in India is always a bad decision since dollar is more stronger. India rupee will continue to depreciate against dollar. Stop spreading misinformation.

Why NRI retire in india it is true that a significant number of the most polluted cities in the world are located in India. According to the 2023 World Air Quality Report published by IQAir, a Swiss air quality technology company: - 41 of the top 100 most polluted cities in the world are in India. - The top 22 most polluted cities in the world are all located in India. - The Indian capital city of New Delhi is ranked as the most polluted capital city in the world. Some key points: - India has a severe air pollution problem, driven by factors like vehicle emissions, industrial activity, construction, waste burning, and seasonal agricultural burning. - The northern Indian states of Uttar Pradesh, Rajasthan, and Haryana have the highest concentration of polluted cities in the country. - While air quality has improved in some Indian cities in recent years, the overall pollution levels remain dangerously high, posing serious health risks to the population. - Addressing this crisis requires concerted efforts from the government, industries, and citizens to implement robust pollution control measures and shift towards cleaner energy sources and practices. So in summary, yes the data clearly shows that a disproportionately high number of the world's most polluted cities are located within India, highlighting the scale of the air pollution challenge the country faces.

$1 = 💯 Gandhis, century soon

First, change the INR notes image. Gandhi has deteriorated crazy. India has weird banking, tax rules no point investing in a corrupt country

Inr will hold against dollar ? Let's bet 100k on it

Lie: indian investment give more return, doesn't matter 2003-2008, matters what happened in 20 years

Rupee is just tissue paper 😂😂😂😂

All lies, FDI is highest in India, what bullshit, India FDI is scaringly low

Lies lies lies lies lies, give data for all the bullshit u say