Indian Investors

Do desi consultants opt for 401K? Upside/downside?

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Based on my limited knowledge, on early withdrawal from 401k you have to pay a penalty of 10%. But if you withdraw wisely such that you avoid the annual tax bracket then you save ~25% of tax on your salary. So I am in favor of 401k

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D1 thanks. What about Roth IRA? Do you contribute to that as well?

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I do contribute 5% to Roth IRA, which I would probably not withdraw until 60 years, even if I leave US And 10% to traditional 401K

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