<prompt> Human: Hi.Im a EU citizen who has been working in the US since 2011. In 2013 I opened the 401k account. I have more than 5K and less than 50K in it. In 2 months I will move back to the EU with no current plans to move back to the US. I contacted the 401k company and the options I have, are:a stay in the plan and not do anything; b move to IRA or ROTH IRA, c lump sum Im less than 40 year old.I think the wisest choice is to do either a or b, but Im wondering about your thoughts. When I approach retirement, the most likely thing is that I will not be a US-tax person. Between A and B, I dont understand the advantages in my situation.Thank you!ManuelEDIT: corrected age.  <response>: It mostly depends upon the tax treaty between your country an the US. This is not standardised on an EU level.One key question is whether and in what circumstances you might be taxed by both the US and your home country on disposing of the money. Another is whether your home country reciprocates US tax advantaged treatment of capital gains and distributions inside US pension wrappers at all.In any case by leaving your money in the US you are making a big bet about how:1. US policy might change2. your home countrys policy might change3. the diplomatic relationship between the US and your home country might changewhereas if you withdraw it you will eat a loss but a known loss and thereafter only have to worry about events internal to your home country. Unlike the US, very few maybe no EU countries will tax you on money you earned in a foreign country while living in a foreign country.Given the amount of money in the account relatively little I would honestly just cash it. It is very complicated to calculate what will be the very most efficient path to take at this point, and will depend on precise details of your circumstances and likely future circumstances. If you were up to do that yourself, I respectfully suggest you wouldnt have posted this here. If you want someone to work it out for you, it is going to cost you a lot of money the replies here are mostly junk. Too much for just a few tens of thousands. 