My dear brother Century,
Although I did not show PF as part of my settlement funds, I wanted to check with you about this. As per the advice from my immigration consultant, I was told that it is better not to show Provident Fund in the asset list due to the following reasons:
1. PF is not a liquid instrument or a readily-liquefiable instrument like Mutual Fund/ Stocks, etc
2. PF can only be withdrawn post resignation from current job. Once a person resigns from the job, he/she has to wait 60 days after which only he/she can submit the PF withdrawal request to the regional PF office. After scrutiny & approval of the withdrawal request, the money (post-tax, of course) reaches the requester's account after another 45-60 days
What do you think?