3/3 ...beware that those will disappear on job termination. Group life insurance through professional associations may start reducing coverages, say, after 60. Don't mix insurance & investments
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3/3 Pharma supply-chains still operate with just-in-time-inventories because of expiry dates or the requirements cold/ cryogenic storage. The global pharma industry has had some prior experiences from the pandemic, Russia-Ukraine war, etc.
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3/3 Indian strategic petroleum reserve (SPR) capacity for crude & refined oil is only about 74 days. This is quite low! Government is expanding its reserve capacity.
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2/2 Examples are TIAA (Traditional - RA, RC, SRA, RCP, IRA) & Federal TSP (G Fund).
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2/2 Tax-free Roth accounts may be appropriate for high risk, high reward assets.
Special-purpose accounts such as 529s & HSAs should use conservative/ moderate & income-oriented vehicles.
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2/2 You hope that the plan will get better, or you will find another job with better 401k/403b. On job changes, you can rollover 401k/403b into IRAs, or into your new plan.
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3/3 IRS Form 4547 may be filed with 2025 taxes or submitted online at trumpaccounts.gov
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3/3 Indian companies include Tata Power, Adani Power, Reliance Industries, NTPC (government), etc & government's BARC (Bhabha Atomic Research Center).
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Personal Finance Insights #IndoUSTribune
BIG news was the INDIA-EU trade deal ("mother of all deals") signed on 1/27/26, the day after the 2026 Republic Day. It followed the India-UK trade deal in mid-2025. These European deals would be huge reliefs for Indian exporters facing high US tariffs...
3/3 Trade deals pending: Chile, EU (1/27/26), Eurasian Economic Union (EAEU - Russia, Belarus, Kazakhstan, Armenia, and Kyrgyzstan), Kyrgyzstan, Mercosur block (South America - Argentina, Bolivia, Brazil, Paraguay, Uruguay, etc), Mexico, US
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2/2 There were foreign fund outflows in 2025. However, many global firms are entering the Indian market to serve its growing investor class.
Among several India ETFs in US, INDH is rupee-hedged. #IndoUSTribune
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2/2 as devaluation eats into their purchasing power & savings. It also hurts foreign investors by cutting into their returns from investments in India. The rate of $1 = Rs 92 may be breached soon. #IndoUSTribune
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3/3 The nature of warfare is also changing with short/ intermediate-range missiles & drones. A cost-effective way to neutralize drones has yet to be developed. #IndoUSTribune
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3/3 Life insurance & LTC hybrids or LTC riders for accelerated death benefits are available. #IndoUSTribune
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3/3 Younger families may start with a combination of mostly multiyear level-term with some permanent insurance. Choose insurers with high credit ratings. #IndoUSTribune
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3/3 ...VAs with income-riders (GMWB), RILAs (index-linked with caps & buffers), etc. Qualified longevity annuity contracts (QLACs; DIAs) are allowed for limited amounts from IRA/401k/403b. #IndoUSTribune
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3/3 International acceptance with eligible accounts is growing in US (Google Pay, Wise, etc), UK (Revolut Visa), Europe (TIPS), BRICS Pay, etc. #IndoUSTribune
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2/2 ...something SIMILAR BUT NOT IDENTICAL. Tax losses offset CGs first, then up to $3K in ordinary income, & remainder can be carried over.
Other reminders: RMDs, QCDs, donations, 529s, 401k/403b contributions, Roth Conversions, gifts, tax w/h. #IndoUSTribune
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2/2 ...overseas & that's much more than needed for operational reasons. Gold held domestically isn't subject to foreign restrictions, freezes or sanctions. Indian households hold about 30x the gold that's held in reserves at RBI. #IndoUSTribune
ybbpersonalfinance.proboards.com/post/2320
3/3 ...won't typically cover procedures outside of US, so this may be an option for those uninsured or underinsured. Medical tourism is also flourishing in other Asia countries.
See also a feature on Roth Conversions.
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2/2 One can think of BNPL as the digital age version of the old store layaways. Only some credit agencies report BNPLs. Credit card companies also offer special pay-over-time programs for large purchases.
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2/2 ...& don’t require itemized Sch A, so can be made by non-itemizers. You can also use IRA checkbook but make QCD well ahead of the yearend so that the donation is completed by the yearend (sent, received & acknowledged). QCDs cannot go into DAFs. #IndoUSTribune
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2/2
(ii) Social Security COLA for 2026 is +2.8%; the salary-cap increased by higher wage inflation to +4.77%.
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3/3 Monthly costs will be mortgage payments, possible PMI, insurance, property taxes (to the lender), utility bills. Irregular costs will be for furnishings, renovations & lot of maintenance.
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2/2 There is good beginning, but more focused & prioritized approaches are needed. #IndoUSTribune
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2/2 Trade association NAR's chokehold on the RE industry went away. Highly fragmented RE brokerage industry is rapidly consolidating. #IndoUSTribune
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2/2 ...& the remaining tax losses can be carried over to future years. Another TLH feature will be in December.
US tax year is calendar year. India tax year is April 1 - March 30.
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2/2 There are F&G indexes for various markets - e.g. US CNN F&G Index, crypto F&G index, etc.
India MMI 78.41 (extreme greed)
Weekly ETFs: INDA +1.49%, INDY +1.10%, EPI +1.76%, INDH +1.02%, SPY +1.24%
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3/3 The domestic versions with fewer features may be launched later after production costs are lower. #IndoUSTribune
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3/3 ...then the assets belong to the beneficiary & he/ she may use the funds for any purpose whatsoever. Now, 529 for education, & Roth IRA for retirement have more advantages. #IndoUSTribune
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