Ok, since my question in (1) above went over like a lead balloon, let me ask this:
In Immigration Rules Appendix FM-SE: family members specified evidence
(
https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-fm-se-family-members-specified-evidence )
at 11A: it says :
11A. In respect of cash savings:
(a) The savings may be held in any form of bank/savings account (whether a current, deposit or investment account, provided by a financial institution regulated by the appropriate regulatory body for the country in which that institution is operating), provided that the account allows the savings to be accessed immediately (with or without a penalty for withdrawing funds without notice). This can include savings held in a pension savings account which can be immediately withdrawn.
So, does that mean that a retirement account (IRA, Roth) in the US at some place like Fidelity or Schwab could be used to show cash savings as long as I could withdraw the money any time (ie, it's self directed)?
I'm reading this different ways. Do they mean I have to take money out of the funds and put them in a bank account?