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As F-1 student I'm exempt from the substantial presence test, so I have to file resident in Canada, non-resident in USA. I haven't officially departed Canada yet but will do so one I transition to a H1B/TN visa. Unfortunately I don't have a 401k/403b plan available.

If I keep the Roth, I see two ...

[quote="nelsona"]Remember, that even before this treaty protocol, that has not yet taken effect, ALL Roths were considered contaminated, regardless of when it was funded.

You jumped the gun in two ways (a) not realizing that Roths are not for Cdn residents ,and (b) not noting the warning in the ...

[quote="nelsona"]You said you reside in US. That is sufficient. By resident I mean treaty resident, not necessarily green card holder.[/quote]

I'm a little confused. I'm currently living in the US but I'm a non-resident alien for tax/visa purposes. You're saying that simply because I reside in the ...

Thanks for the info Nelsona. I think I may have a contaminated Roth with this news -- I'm a Canadian resident F-1 student in the US and I just opened a Roth a few months ago. If I plan to stay in the US and eventually become a US resident in a few years, am I better off closing the Roth now, waiting ...