Tag
401k
12 posts tagged 401k
- Returning NRIs·
The RNOR window: how returning NRIs can realise US gains tax-free before it closes
RNOR status gives returning NRIs 2–3 years where foreign income and capital gains are completely exempt from Indian tax. Here's what to sell, when, and what happens if you miss the window.
- Returning NRIs·
Estate planning across India and the US: wills, Power of Attorney, and what happens to your 401k
Returning NRIs hold assets in two countries under two legal systems. Here's how Indian and US wills interact, why you need separate POAs, and what happens to your 401k if you die as an Indian resident.
- Returning NRIs·
Section 89A and your 401k/IRA after returning to India: the complete guide
Returning NRIs with US retirement accounts face double taxation without Section 89A. How Form 10-EE works, who qualifies, optimal withdrawal timing, and the DTAA angle.
- Returning NRIs·
The returning NRI master guide: taxes, RSUs, and every financial decision to make before and after you land
The definitive guide for NRIs returning to India. RNOR window, RSU tax during transition, NRE/RFC account conversion, 401k planning, Schedule FA, FEMA compliance, and the exact order to do everything.
- Returning NRIs·
Section 89A: how returning NRIs avoid double taxation on 401(k), IRA, and foreign pension withdrawals
Section 89A lets returning NRIs defer Indian tax on foreign retirement account withdrawals until the year the amount is taxable in the foreign country....
- NRI Finance·
Turning RSUs into a retirement corpus: 401(k), backdoor and mega-backdoor Roth for US employees
Your RSUs are taxable cash flow. Here's how US employees route them into a retirement corpus — maxing the 401(k) at $24,500, the backdoor Roth, the...
- NRI Finance·
The SECURE 2.0 mandatory Roth catch-up rule for high earners in 2026
From 2026, high earners 50+ must make 401(k) catch-up contributions as Roth. Who's affected, how RSU wages trigger the rule, and how to plan.
- US Investing·
The mega-backdoor Roth: a complete guide for high earners
How high earners route after-tax 401(k) contributions into Roth up to the 2026 $72,000 limit, using RSU cash as the bridge to free up salary.
- NRI Finance·
Net Unrealized Appreciation (NUA): the employer-stock 401(k) tax break
NUA lets you tax the gain on employer stock in a 401(k) at long-term capital gains rates instead of ordinary income — when the basis is low enough to...
- Returning NRIs·
What happens to your 401(k) and IRA when you return to India: the retirement account decision matrix
Complete guide to US retirement accounts for Indian residents post-return. Traditional 401(k), Traditional IRA, Roth IRA, Roth 401(k) mechanics, the...
- Returning NRIs·
Moving back to India with US RSUs: the complete returning NRI playbook
The 12-month playbook for moving back to India with US RSUs, brokerage accounts, retirement plans, and US property. RNOR window strategy,...
- Returning NRIs·
NRIs returning to India: what to do with your US portfolio
Moving back to India with US stocks, RSUs, 401(k) and IRAs creates a one-time RNOR planning window that can save lakhs in tax.