<prompt> Human: Hello,Im in US on a work visa and I may need to leave permanently before Im 59.5. If that happens, Ill probably need to withdraw everything from my investment accounts. In that situation, considering the taxes on gains and penalties, what is beneficial for me? Investing the maximum in a Roth IRA or just putting everything in an index fund such as VTSAX?In other words, if one must withdraw everything from a Roth before 59.5, is there any difference between it and VTSAX assuming that the Roth is invested in VTSAX as well?Thanks for the help.  <response>: An IRA doesnt just disappear when you leave the country.I dont know any details, so maybe wait for someone who does or do your own research, but you still own the IRA after leaving. 