401(k) & Roth IRA
8 guides
Employer matches, Roth vs. traditional, and what happens to your retirement accounts if you move back to India.
What Happens to Your 401(k) When You Move Back to India?
Your 401(k) doesn't vanish when you leave the US. Here are your options, the 30% withholding trap, the 10% penalty, and how RNOR status protects you.
Read guide →5 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 →5 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