M*******s
发帖数: 4074 | 1 碰巧看到这么一篇旧文，答复一开头（在第二段）就安了一个错误的假设，显然没有让
他们的税务人员审阅。
CNNMoney
http://money.cnn.com/2000/06/06/pensions/q_retire_askexperts/
401(k)s for nonresidents
June 6, 2000: 8:34 a.m. ET
Should you set up a retirement plan in a country you may not stay in for
long?
前言：
NEW YORK (CNNfn) - As the global market develops, more and more U.S.
companies are hiring people from other countries who become eligible for 401
(k) plans. But there are different rules for taxes and distributions.
In response to a reader's question, Mark Groesbeck, a certified financial
planner from Houston and a member of the Financial Planning Association,
suggested thoroughly investigating the company's "plan document" before
making any hasty decisions.
问题：
I came from India to work as a software professional in the United States. I
can work here for six years with a visa, but if I don't get a green card I'
ll have to go back to India. I am interested in investing 15 percent of my
salary in my 401(k) plan. But what happens if I have to return to India in
2004? Can I get the entire amount I've invested in my 401(k) back? Will I
have to pay taxes and a penalty? Do you think it's a good idea for me to
invest in this plan?
答复：
Retirement plans are established with something called a "plan document." A
plan document outlines who can participate, the contribution limits, the
investment options, plan distributions, and other important information.
Assuming that you, as a so-called "nonresident alien" (NRA), have met rules
to participate in the company 401(k) plan, the IRS will assign you a tax
identification number. The tax ID number will be in lieu of a Social
Security number.
When an NRA leaves the company, and perhaps the country, it is the plan
document that dictates when the former employee will be allowed to leave the
assets in the plan or if the NRA will have to distribute the assets.
NRAs do have some special rules on the taxation of plan distributions from
qualified plans. The plan administrator will have additional forms that you
will need to complete before having assets distributed.
I would suggest you consult with your company plan administrator about
participating in the plan, and then discuss what the plan document will
require for distributions if you return to India. |
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