Anyone here who understands the 401k options that we have at PwC and has some analysis on where and how much we should be putting in given our limited visa ?

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Don’t think visa or lack of it should be a criteria. The money is yours to keep regardless of what country you’re in at retirement.

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And there’s an argument to be made for saving in USD for retirement

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I have been maxing out my 401(k) for last two years. 80% of it is invested in Northern Trust S&P500, and the remaining 20% is distributed equally between Emerging Market index and the Northern Trust Bond Fund. Portfolio has done extremely well but I also transferred all of it to bond in January and moved back again to above mentioned distribution in April.

You can contribute another 35k approx into the post tax 401(k) and PwC allows rolling over to a Roth. Once the money hits Roth, you can withdraw the contributions anytime and the earnings will grow there tax free. The earnings can be withdrawn after five years for specific expenses or at 59.5 completely penalty free. This is one of the best benefits offered by PwC.

If you decide to move back to India then at that point you can do a rollover to IRA and let the money grow there for as long as you want. There is also a RNOR period in which you are given the status of NRI in India even if you reside in India. You have time the movement of money to avoid higher taxation.

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