retirement-pension 401(k) and IRA Access for Non-US Citizens Explained
401(k) and IRA eligibility for non-US citizens depends on residency and US-source earned income, not citizenship - what nonresident aliens can actually access.
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Retirement & Pension Planning
Cross-border retirement planning for international investors holding US stocks and ETFs - pension access, withdrawal strategy, and retiring across borders.
Retiring across a border changes the mechanics most retirement advice assumes: US-based 401(k) and IRA access can differ by country, required minimum distributions interact with foreign tax rules, and a domestic dividend-income strategy does not automatically work once you're filing taxes somewhere else. The guides below cover specific cases - from 401(k) and IRA access for non-US citizens to building a dividend income ladder - rather than generic advice that skips the cross-border details.
retirement-pension 
retirement-pension Social Security Totalization Agreements: What They Cover, and Why Investment Income Isn't Included
Totalization agreements prevent double Social Security taxation on employment income between the US and around 30 partner countries. They have nothing to do with investment income from a US brokerage account - a common point of confusion worth clearing up directly, with the mechanics of how the agreements actually work.
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retirement-pension US Investing Through a Foreign Pension Account
Many foreign pension accounts can hold US stocks and ETFs, but what's permitted and taxed varies by country - including PFIC risk for US persons.
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Financial Disclaimer: This content is for educational purposes only and is not financial advice. Investing involves risk. Read full disclaimer.