Hello everyone, I am a Deloitte auditor and on a H-1b visa. My long term goal is to eventually go back to my home country. Should I still invest in Deloitte 401-k? I just want to know what the deductions are if and when I decide to go home and take the money. I don’t want to miss out on the match that Deloitte does but assessing if it’s worth it and if I will lose much of my money in taxes. Also I currently invest at home (fixed deposits) and get 6% returns. Thanks for any inputs in advance

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My advice would be to enroll in 401k ASAP as you will not be missing out on Deloitte’s match. When you go back to your country you can always withdraw it after paying tax, that would be still less than the 50% you are missing now from D and also the growth you will be making from 401k. So it’s a 100% sensible decision to enroll in 401k. I wouldn’t opt for FDs as they are very low in returns compared to ETFs or real estates and most of the times inflation outruns the FD interest you are receiving ..

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