NYSE Arca · ETF
Invest in RLY ETF from India
Indian and foreign residents can buy State Street Multi-Asset Real Return ETF (RLY) units directly through Paasa.
By Paasa · Updated
RLY at a glance
- Price
- $36.31-$0.16 (0.44%)
- Expense ratio
- 0.5%
- Day range
- $36.14 – $36.36
- Assets
- $1.4B
- Domicile
- the US
- Holdings
- 11
- Launched
- 2012
- Dividends
- Distributing
- 1 month
- -3.04%
- 6 months
- +1.20%
- YTD
- +14.69%
- 1 year
- +17.58%
- 5 years
- +26.74%
Price change, excluding dividends.
Top 10 holdings
- 1STATE STREET SPDR S+P GLOBAL N28.4%
- 2STATE STREET SPDR BLOOMBERG EN24.7%
- 3STATE STREET SPDR S+P GLOBAL I21.6%
- 4STATE STREET SPDR BLOOMBERG 16.6%
- 5STATE STREET ENERGY SELECT SEC5.0%
- 6STATE STREET SPDR DOW JONES RE3.5%
- 7STATE STREET SPDR S+P METALS +3.3%
- 8VANECK AGRIBUSINESS ETF3.0%
- 9STATE STREET SPDR FTSE INTERNA3.0%
- 10STATE STREET SPDR DOW JONES IN0.7%
RLY holds 11 securities in total. These 10 are 99.9% of the fund.
Where the money is invested
Sectors
- Basic Materials29.0%
- Energy28.4%
- Industrials14.6%
- Utilities13.7%
- Real Estate6.5%
- Consumer Defensive3.8%
Countries
- United States100.0%
- Other0.1%
How to invest in RLY from India
Step 1
Open your Paasa account
KYC takes a few minutes: PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Step 2
Add funds from your Indian bank account
Remit up to $250,000 a year under the RBI's Liberalised Remittance Scheme. Your bank converts the rupees to US dollars at its rate on the day you remit.
Step 3
Search RLY and buy
Find the fund by its ticker, RLY, on NYSE Arca, and place your order. Fractional units are available and there is no minimum trade size, so you can buy by amount.
Why invest in RLY from India
What RLY holds
The State Street Multi-Asset Real Return ETF seeks to deliver returns that outpace inflation, achieved through a combination of capital appreciation and ongoing income. It aims to accomplish this by gaining exposure to a diverse, global portfolio of assets.
Hold a dollar asset
RLY is priced in US dollars, so a weaker rupee adds to what it's worth in rupees. The rupee depreciated over 85% against the dollar between 2010 and 2025.
Buy a fraction of a unit
Buy by amount, not by unit, and get the matching fraction of one RLY unit. There is no minimum trade size.
Paasa handles the paperwork
Investing abroad brings paperwork with it: remittance filings, capital gains reporting, foreign asset disclosure. Paasa prepares all of it for you. Your India-ready tax reports arrive at year end, ready to file.
Planning to hold more than $60,000 in US ETFs? Here's what US estate tax means for you.
US-domiciled ETFs held in your own name fall under US estate tax rules. If your US holdings cross $60,000, the amount above that can be taxed at up to 40% when the account passes to your family.
A UCITS ETF tracking a similar market sits outside US estate tax.
Frequently asked questions
Can I buy RLY from India?
Yes. Indian residents can buy State Street Multi-Asset Real Return ETF (RLY) through Paasa. It is listed on NYSE Arca and trades in US dollars. Your money leaves India under the RBI's Liberalised Remittance Scheme, and the units are held in your own name at Interactive Brokers.
What does RLY invest in?
State Street Multi-Asset Real Return ETF holds 11 securities. Its largest holdings are STATE STREET SPDR S+P GLOBAL N (28.4%), STATE STREET SPDR BLOOMBERG EN (24.7%) and STATE STREET SPDR S+P GLOBAL I (21.6%). Basic Materials is its largest sector at 29.0%. It is a distributing fund domiciled in the US.
What is the expense ratio of RLY?
State Street Multi-Asset Real Return ETF has an expense ratio of 0.5% a year, taken from the fund's assets rather than billed to you. The fund manages about $1.4B.
How are RLY dividends taxed in India?
State Street Multi-Asset Real Return ETF is a distributing fund. It pays the dividends from its holdings out to you in cash. The US withholds 25% tax on dividends before they reach you; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit when you file in India. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
What tax do I pay in India when I sell RLY?
The US does not levy capital gains tax on shares for Indian residents. In India, gains on foreign ETF units held for more than 24 months are long-term and taxed at 12.5% without indexation, and gains on units held for 24 months or less are short-term and taxed at your income-tax slab rate. Both are worked out in rupees at the USD/INR rate on the day you bought and the day you sold, so the currency move is part of the gain. Paasa's capital-gains statement gives you the figures for your return.
Can I buy a fraction of one RLY unit?
Yes. You can buy by amount rather than by unit and add to your position over time. One unit is $36.31, and there is no minimum trade size.
What happens to my RLY units if I pass away?
US-domiciled ETFs held in your own name fall under US estate tax rules. If your US holdings cross $60,000, the amount above that can be taxed at up to 40% when the account passes to your family. A UCITS ETF tracking a similar market sits outside US estate tax. Paasa's US estate tax calculator shows the exposure for a given portfolio value.