FA
First Advantage Corporation Common Stock
stock NASDAQ

Hi everyone,
I’ve been a disciplined mutual fund investor since 2008, building a \~₹4 Crore corpus with a 15% XIRR. Currently, \~95% of my portfolio is concentrated in India.
But for the first time in nearly two decades, I am deeply concerned about the country's economic future. Over the last 2 years, the Indian market has given virtually zero returns and negative returns when adjusted for Rupee depreciation.
While I understand market cycles, I feel we are facing major structural threats:
\* The AI Threat: Our IT and services sectors are highly vulnerable, which could turn our "demographic dividend" into a nightmare of mass joblessness.
\* Policy Stagnation: I have no hope in the government taking real economic measures; the focus has completely shifted to freebies and election engineering.
**The Dilemma:**
I want to diversify to US/globally, but the paths for Indian residents are incredibly restrictive:
\* Domestic MFs/ETFs tracking international indices are virtually blocked or limited.
\* GIFT City options suffer from high costs and bad tax structures.
\* Direct US Investing (IBKR/IndMoney) involves high remittance friction and the heavy compliance nightmare of Schedule FA in ITR filing.
\* Plus, US/global valuations are already heavily elevated.
My questions to fellow investors:
1. Am I being overly pessimistic about Indian economy / market, or are these macroeconomic and AI-driven concerns valid?
2. how would you approach global diversification today?
3. For those managing direct US investments, is dealing with the ITR/TCS complexity worth the peace of mind?
TL;DR: Long-term investor since 2008 with a ₹4Cr corpus (95% in India) worried about the future. Between zero returns over the last 2 years, the threat of AI to Indian IT/jobs, and policy stagnation, I want to diversify globally but high US valuations and heavy tax/ITR compliance (Schedule FA) are making it incredibly difficult. Am I being too pessimistic, and how are you guys navigating global diversification?
Would love to hear your perspectives. Thanks!

Hi all! I was hoping to get some feedback regarding my next moves from an investment perspective.
I am resident physician in high demand procedural specialty heading to underserved/LCOL area after medical training where I will be able to save 300-400k annually between tax advantaged accounts, employer match, etc. I have no debt.
I inherited a large sum of money in medical school due to losing a parent and have had the money managed by Chase and an in house financial advisor for approximately 3 years now. I had no desire to learn about finances at the time I inherited money as getting through medical school through a major loss was all I focused on.
I am now starting to read a bit more about personal finance and looking at the annual returns my portfolio has made has made me realize I may not have the same goals as my FA. I am averaging <5% annual return as 2/3 of my investment are in fixed income and cash and only a third in the stock market. Low returns plus the commission I am paying for Chase managing my funds on top of taxes on gains is leaving me very poor returns. I am considering a move to vanguard where I will likely but 85% in stock and 15% in bonds (given rule of 120 for bonds). I am aiming for what is invested to be split majority domestic stock and an equal amount (say 10-15% each in tech and international markets). I have spoken to vanguard and it seems to be very feasible to transfer the money without a major tax implication. I would love to hear others thoughts on this approach or if this sounds completely clueless. Thanks in advance.