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Video Description
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A practical guide for H1B visa holders, Green Card holders, and US NRIs who are planning to return to India and are unsure what to do with their 401(k), Traditional IRA, or Roth IRA after moving back from the USA.
In this video we walk through the major options — leaving the account untouched, withdrawing before return, using the RNOR window, withdrawing after becoming ROR, Roth conversion, and SEPP / 72(t) periodic withdrawals along with the US and Indian tax considerations, foreign asset reporting, estate tax risk, and the pre-departure checklist that most returning NRIs only think about after they have already moved.
For most returning NRIs, the 401(k) is not just an investment decision.
It sits between two tax systems.
The right approach depends on your US tax status, your Indian residential status, your age, and the exact account type you hold.
This video lays out the framework I use in client conversations, so you can think clearly before speaking to your US tax advisor and your Indian CA.
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CHAPTERS
00:00 H1B Returnee’s 401(k) Question Answered
01:22 What Happens to Your 401(k) After Leaving the US?
03:03 3 Critical Things to Know Before Planning Your 401(k) Exit
06:14 Leave Your 401(k) Untouched After Moving to India
11:16 Withdraw Your Entire 401(k) Before Returning to India
12:39 Best Time to Withdraw? Using the RNOR Phase Smartly
15:00 Where to Invest Your 401(k) Withdrawal During RNOR Status
18:57 What Happens if You Withdraw After Becoming ROR?
20:33 Roth Conversion Strategy Before Leaving the US
22:08 Rule 72(t) Explained: Penalty-Free Early 401(k) Withdrawals
23:29 Complete US Exit Checklist for H1B Returnees
27:51 Key Takeaways
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PrimeWealth is a financial advisory firm serving Non-Resident Indians navigating cross-border wealth, taxation, and financial planning. We handle the complexity of living between two countries so you don't have to carry it.
Connect with Alok:
LinkedIn → https://www.linkedin.com/in/aloksdubey/
Instagram → https://www.instagram.com/nrimoneyalok
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Disclaimer: This content is for educational and informational purposes only and does not constitute financial, tax, or legal advice. Please consult a qualified professional for advice specific to your situation. Advisory services offered through PrimeWealth.
