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Hi there,

Long time lurker, first time poster. I'm an expat in Australia trying to get a more solid understanding of where to place the bulk of my investments and how that will affect my taxes. I'm in Australia for the forseeable future, and I've already paid Australian tax on the $ that I'd be investing, but if I'm going to keep investing I figure I might as well do it in a way that is tax advantaged.I pay for an expat tax specialist to help me with my taxes each year, but they don't give financial advise. I'd like to either find someone I can speak to to help me navigate this, or educate myself on where I should (and shouldn't) be stashing my investments.

The question that I've been told I should be able to answer if I speak to a financial adviser is where I'd like to retire, but the truth is I'm not sure.

My current situation: is that I have three 'buckets' of money:
+ Australian pension fund
+ Savings (cash)
+ Vanguard index funds invested through Stake (Australia's equivalent to Robinhood)

My (potential) plan as it currently stands is to:
+ Continue my mandatory contributions to my Australian pension fund (tax advantaged)
+ Set up a Roth IRA & max it every year so that I can accrue some of my earnings tax free (and be able to take out contributions without penalty if I need/ want to)
+ Use any money leftover after my pension fund contributions and maxing out my Roth IRA to invest the rest of my earnings in (taxable) index funds (either through Stake or similar)

In the past I've used the FEIE (Foreign Earned Income Exclusion) to exclude my overseas earnings from my U.S. taxes, so I don't think I could have contributed to a 401K or a Roth. But, I do believe it is possible to use the Foreign Tax Credit instead of the FEIE, which would mean I could keep unexcluded income on my U.S. tax filing and still be able to contribute to an IRA. My questions are:

1) Can I / should I open a 401K and / or a Roth IRA if I'm living and earning overseas?
2) Is there any advantage to keeping my index fund investments in Stake vs investing directly through Vanguard? (Or is this a totally silly question and are they exactly the same thing for tax purposes)
Thanks in advance!
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