u/Adorable_Island_4563

We are thinking of moving to india in 4 years.

My wife is a stay home mom, and majority of income is from my side.

I put over years in her spousal Ira and roth.will those accounts be clubbed in my income during ROR.

Also i head that if I give her my stocks and she sells , the gain she can invest and income from them will not be clubbed. She can return the initial capital cost basis to me and do this during RNOR.

Is this a good process.Any thoughts or ways to avoid this clubbing.

I hope India has the same tax system as US.

Our HSA withdrawal during ROR will become taxable in India , but as I saw some article, dividends are taxed yearly but is capital gains also taxed yearly or only on selling them and realizing gain.

Thanks