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Thank you very very much for your quick answers DominGA. I really appreciate that.
Not sure if I should open another thread for this or not.

But I have a Foreign account in India and I would like to send some money to invest in mutual funds in Indian market. If I transfer money from my local bank to the foreign bank and after few years I get the money back (with additional income) to my foreign account to local US Bank account, do you know what Tax implications that I will be having in that case while sending and receiving money?