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US Brokerage Account After Moving to India
Keep, transfer, sell, or simplify a US brokerage account after moving to India with broker policy, W-8BEN/W-9, Schedule FA, Form 67, FBAR, Form 8938, and beneficiary checks.
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us brokerage account after moving to india
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Can you keep a US brokerage account after moving to India?
Sometimes, but do not treat it as a simple yes/no. First export the full account file, confirm the broker's India-resident policy in writing, classify whether you are a US person or non-US person for W-9 vs W-8BEN, then map India residency, Schedule FA, Form 67, FBAR/Form 8938 if applicable, and beneficiary access before selling or transferring assets.
Built for: Returning Indians, NRIs, US citizens, green-card holders, H-1B returnees, and families holding US stocks, ETFs, RSUs, ESPP shares, options, or cash in a US brokerage account.
Proof before action
Written broker policy for India-resident account use
Correct W-9 or W-8BEN lane based on US tax status
Schedule FA, Form 67, FBAR/Form 8938, and beneficiary proof file
Action sequence
- 1Export statements, tax forms, cost basis, trades, and beneficiaries
- 2Ask the broker what an India address permits and restricts
- 3Choose hold, transfer, sell, or simplify only after tax and access mapping
Avoid these mistakes
| Risk | Control |
|---|---|
| Using a stale US address as the operating plan | Confirm the rule, document, owner, or deadline before committing. |
| Submitting W-8BEN despite still being a US person | Confirm the rule, document, owner, or deadline before committing. |
| Reporting gains without Schedule FA or family access proof | Confirm the rule, document, owner, or deadline before committing. |
Full guide
US Brokerage Account After Moving to India: Fidelity, Schwab, IBKR, W-8BEN, Schedule FA, and proof file
The brokerage question is usually asked too late. Before updating an address, selling shares, transferring assets, or filing a return, a returnee needs one access-and-tax file that separates broker policy, US tax status, India residency, foreign asset disclosure, treaty withholding, and beneficiary control.
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