Retirement plan?

[Sonia L]

I'm 33 years old and make 33.000 a year. I'm married, but my husband only works part-time, so his income is not always the same.
I'm a permanent resident so if decide to go back to my country, can I keep contributing towards the IRA? I'm confused because in the bank they told me yes and when I contacted fidelity they said no way!
What is the right option for me?
I do want to start a retirement plan but I don't want to loose the money if I moove to another country or start another one...

Any suggestions?
Thanks for you help!

[effin chrisTY]

To legally maintain an IRA within the United States you have to have a US issued SSN, file US Federal Taxes, and have earned income reportable in the US. If your situation is any more complex than this, then seeking tax advice will keep you within the law and the IRS off your back.

Just keep in mind that the US does not allow transfers of foreign retirement plan funds into a US retirement plan. So whatever you decide your residence may be, do not mix your monies.

[Phyllis C]

That depends on the monetary restrictions. Usually if you move out of country you can retain your IRA but may not be able to add to it as it's a US Tax issue. I'd check with a financial advisor's and put your concerns to them and see if there is a solution.

[butrcupps]

If your account is through your employer, you cannot contribute to it after your employment terminates with that company. You may however, be able to roll it over to a new account without have to pay taxes and penalty. It's very tricky since you may be moving to another country so maybe you better seek a professional.