My US visa expires next year and I have about 50k in savings that I want to invest for a year. I like Marcus by Goldmansachs plan. They seem to offer 3.1% on 5-year deposit. But how do I withdraw the money from the plan if I am no longer in US? I might not even have a bank account in US then.

PS: the 1 year plan of Marcus offers 2.75%. After taxes I am assuming it will be 1.92%(30% tax), which is less than the inflation rate in US(https://tradingeconomics.com/united-states/inflation-cpi) 2.25%.

With the 5 year plan, I am a tad bit closer at beating inflation at 2.17% after taxes.

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    Are you planning on coming back? If not, why invest in the US? Not trying to be anti-patriotic but couldn't you reinvest your money in banks in your home country? I don't know the rates in your home country but I'd assume it'd be better than the US (since US rates are comparatively lower than other countries). – robjob27 Mar 29 '19 at 4:50
  • So my employer might move me to London or Toronto when my Visa expires. After I been outside the US for a year, I have the option of coming back on an L1 visa. That is why I am looking at US's inflation rate. In my home country, the inflation is way off the charts lol. – Aditya Mar 29 '19 at 5:28
  • This is rather funny. Do you know that a foreign citizen investment in USA stock capital gains is tax-free? If you hold any USA niche market stock (that other country cannot live without) or Berkshire-hathaway-B, the rebound after the bear is way better than your risk-averse bond investment. – mootmoot Aug 26 '19 at 8:26

Most countries require residency to hold a financial account. Otherwise the country is an offshore country.

A non-resident might hold a U.S. account as a U.S. state-organized LLC company that is IRS taxed as a C-corporation.

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