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好像可以,美国取出来需要交税,交的税可以抵扣你当年的加拿大收入税。就是说你不可能原封不动的transfer.

本文发表在 rolia.net 枫下论坛Provided you comply with the technical requirements, CRA will allow a tax free transfer of a 401K or IRA to a RRSP without using any impact on your existing RRSP contribution room. On the US side, however, the IRS will impose a withholding tax of 15% on the transferred amount and an additional 10% early withdrawal penalty if you are under 59.5 years of age. While a 15% tax rate may seem low, you need to keep in mind that these same funds will be taxed again at Canadian tax rates when the funds are withdrawn from the RRSP. This subjects the funds to double taxation. While CRA allows a taxpayer to claim a foreign tax credit for the US withholding tax and the early distribution penalty, because the transfer in Canada is tax exempt, there is a risk that these foreign tax credits will be wasted and can’t be used to offset the Canadian tax at the time the funds are eventually withdrawn from the RRSP. Hence, it may be better to leave the funds in a tax deferred US plan a long possible or until you are required to take minimum distributions from the plan(at 70.5 years of age).更多精彩文章及讨论,请光临枫下论坛 rolia.net
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Replies, comments and Discussions:

  • 枫下茶话 / 美国话题 / 美国401K能转到加拿大吗? 如果没工作必须离开美国. +1
    • 不能吧.
      • 好像可以,美国取出来需要交税,交的税可以抵扣你当年的加拿大收入税。就是说你不可能原封不动的transfer.
        本文发表在 rolia.net 枫下论坛Provided you comply with the technical requirements, CRA will allow a tax free transfer of a 401K or IRA to a RRSP without using any impact on your existing RRSP contribution room. On the US side, however, the IRS will impose a withholding tax of 15% on the transferred amount and an additional 10% early withdrawal penalty if you are under 59.5 years of age. While a 15% tax rate may seem low, you need to keep in mind that these same funds will be taxed again at Canadian tax rates when the funds are withdrawn from the RRSP. This subjects the funds to double taxation. While CRA allows a taxpayer to claim a foreign tax credit for the US withholding tax and the early distribution penalty, because the transfer in Canada is tax exempt, there is a risk that these foreign tax credits will be wasted and can’t be used to offset the Canadian tax at the time the funds are eventually withdrawn from the RRSP. Hence, it may be better to leave the funds in a tax deferred US plan a long possible or until you are required to take minimum distributions from the plan(at 70.5 years of age).更多精彩文章及讨论,请光临枫下论坛 rolia.net
        • 人家问的是转,没有损失那种. 谁都知道能取出来,可不仅要交税,还要交罚金.
          • 如果能offset加拿大税的话,也没啥损失,主要是transfer不占用RRSP room
        • 如果60岁以后,就应该没有罚金了吧。。。
    • 大家是交还是不交, 或者多交好还是少交好.
      • 在加拿大一般都是交足的.
      • 分享一下我了解到的。如果公司给抵扣值得交,否则需要自己斟酌。关键是其中操作比较复杂。
        401K可以继续留在美国,到退休时候取回。其实就是留在美国也是这个操作。
        401K提前取回,可以考虑先401K转IRA,之后考虑是否转Roth IRA(在非美国税务居民时转)。Roth IRA 保留5年,取出是免费的。整个这个操作周期较长,需要一定税务和投资知识。如果公司没有补贴401K,大家还是自己斟酌了。
        • 公司给补一些. 原来打算交满, 先交一半
    • if you take the 401K out by 60, you have to pay tax back and a 10% fine