u/Beneficial-Royal-789

I am an non-US citizen currently in the U.S. on F-1. I am relocating to Ireland before the end of this year.

I have:

1. Taxable brokerage account in Fidelity

2. 401k with Fidelity

3. HSA again with Fidelity

4. U.S. bank accounts (Checking and HYSA)

I can be considered as either of non-resident or resident for tax purposes in Ireland for part year 2026.

This is what I plan on doing and would love to hear your thoughts:

1. Keep individual stocks in USA and liquidate ETFs due to crazy Irish taxation on ETFs (Deemed disposable).

2. Keep on holding 401k and let it grow tax free. I checked USA and Ireland have treaty for this.

3. I have small amount in HSA. Will sell mutual funds within HSA and just keep cash so that I can use in Ireland without the deemed disposable headache. Better to hold rather than losing almost 40% due to tax and penalty.

4. Planning on transferring all money to Ireland and will keep one checking account active in USA.

Any advice is appreciated!

Hi everyone,

I’m currently a working as a Quality Engineer in semiconductor manufacturing (heavy on SPC, root-cause investigations, CAPAs, and FMEAs), but I’m looking to pivot into Defect engineering role to get more hands on fab experience.

While I’m comfortable with data-driven problem-solving, I know Defect Engineering leans much closer to the physics of the process, inline metrology, and automated inspection tool ownership.

For anyone who has made a similar move or works in defect:

1. How smooth the transition would be?

2. Is it a good long-term career move?

Appreciate any insights or reality checks you can share!