401(k) & Roth IRA
9 guides
Employer matches, Roth vs. traditional, and what happens to your retirement accounts if you move back to India.
40 Credits of Social Security: What Your Statement Actually Means If You Leave the U.S.
You have 40 credits and a monthly estimate on ssa.gov. Most people misread both. Here's what 40 credits actually establish, the 35-year formula, and the separate rules that decide whether you and your family can be paid in India.
Read guide →36 minRetirementWhat Happens to Your 401(k) When You Move Back to India?
Your 401(k) doesn't vanish when you leave the US. Your options, the 30% withholding trap, Form W-8BEN, DTAA Article 20, and how RNOR status protects you.
Read guide →13 minRetirementRule 72(t): Access Your 401(k) Early Without the 10% Penalty
Returning to India before 59½ and need your retirement money? The IRS 72(t) SEPP rule lets you draw it down penalty-free — if you follow the strict rules.
Read guide →5 minRetirementCan You Transfer a 401(k) to India? NPS, PPF & the Real Answer
There's no direct pipe from a US 401(k) into NPS or PPF. Here's why cross-border retirement transfers don't exist — and the legal workarounds that do.
Read guide →5 minRetirementBackdoor Roth IRA: A Step-by-Step Guide for High-Earning NRIs
Tech salary past the Roth income limit? The backdoor Roth lets you contribute anyway — legally. Here's the process and the pro-rata trap to avoid.
Read guide →4 minRetirementDo You Keep US Social Security If You Return to India?
The 40-credit rule, why there's no US-India totalization agreement, the WEP repeal, and whether you can collect Social Security while living in India.
Read guide →6 minRetirementCan You Keep Your HSA After Leaving the US? (NRI Guide)
Your Health Savings Account is yours forever — even abroad. Here's how to spend it, why it's a stealth retirement account, and the cross-border tax catch.
Read guide →5 minRetirementRoth IRA vs. Traditional IRA: Which Should an NRI Choose?
Beyond your 401(k), an IRA supercharges your retirement savings. Here's how to pick the right one as an immigrant.
Read guide →2 minRetirement401(k) for NRIs: Why You Should Never Skip the Employer Match
The match is free money — but what happens to your 401(k) if you move back to India? Here's the full picture.
Read guide →2 min