Indmoney

Here’s a number worth sitting with: a Nifty 50 index fund has delivered 6.90% a year over the last 5 years. The same money, in an S&P 500 fund, delivered close to double that — whether you accessed it through a US-listed ETF or, now, through a UCITS ETF right from your INDmoney account in India.

That’s not a sales pitch — it’s what the actual, published 5-year numbers show, and it’s exactly why UCITS ETFs matter for Indian investors right now. Until recently, reaching that US exposure meant a US brokerage account. Now, INDmoney has opened up UCITS ETFs — European-domiciled funds that give Indian investors access to over 50 global markets, including the S&P 500, through the same app already used for US stocks, with fractional investing starting from as little as $1.01.

For years, I told myself Indian markets were enough. Then two things changed my thinking completely.

First, Nifty 50 has delivered close to zero real returns for investors who entered in late 2024. The index touched 26,000, corrected sharply — touching a low near 22,200, and has struggled to recover. Midcap and smallcap indices — where the “wealth creation stories” were loudest — have corrected 25–35% from peaks. Meanwhile, anyone with US exposure watched their portfolio quietly compound.