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What Happens to Your 401(k) When You Move Abroad?

What Happens to Your 401(k) When You Move Abroad
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How Expats Can Manage Their U.S. Retirement Savings from Overseas

Introduction:

Moving abroad is exciting, but what happens to your 401(k) when you leave the U.S.? Many expats lose track of their retirement savings, leaving money unmanaged and vulnerable to high fees. Here’s what you need to know about keeping your 401(k) secure and working for you.

Key Points:

  • Your 401(k) stays with your former employer unless you take action.
  • You may face higher fees and limited investment options if you leave it untouched.
  • Rolling over your 401(k) into an IRA can help you consolidate and optimize your savings.
  • U.S. tax rules still apply—working with a licensed advisor ensures compliance.

Conclusion:

If you’ve moved abroad and left a 401(k) behind, don’t ignore it. Taking control of your retirement savings now can help secure your financial future.

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