u/reddevilutd007

Hi guys,

I am 32M, planning to move back from the US in Dec 2026. I had a few questions regarding my financial situation.

Savings - $55k
Stocks - $53k
401k - $13k

1. I came in Aug 2019, and have been to India twice for around 90 days total. Would I qualify for RNOR status? In my calculations I do. Want to confirm it though.
2. I have started moving my savings to my NRE account (\~$12k). Is it fine tax wise both in India and US if I send all my savings chunk wise before I move out? If not, what would you guys suggest?
3. I am planning to sell my Stocks latest by end of 2027. If I qualify for RNOR, would that be fine?
4. Since my 401k is relatively small, I was thinking to sell it with the 10% penalty rather than to take the hassle of managing it from India. Any suggestions on this?
5. Any other tax information that I need to keep in mind before/after I move back to India?

Thank you guys in advance!