What Happens to Your 401(k) and IRA the Day You Accept an Indian Government Job Offer
For diaspora professionals pivoting from US corporate careers to Indian civil service, the excitement of a government appointment often overshadows a financially devastating blind spot: decades of American retirement contributions sitting in accounts that may be impossible to bridge with India's pension architecture. Understanding the collision between 401(k)s, IRAs, and the National Pension System before you sign that offer letter could save you hundreds of thousands of dollars.