{ "media_type": "text", "post_content": "If i don't plan on staying in the US long term (maybe ~3 years), should I bother with a 401k contribution? Granted the matches are nice to have, but what about early withdrawal fee's / vesting time?", "post_id": "5eb5b110d484db0024aa868b", "reply_count": 4, "vote_count": 1, "bowl_id": "5abc4bc7cf9bd00013107acd", "bowl_name": "Global immigration " }

If i don't plan on staying in the US long term (maybe ~3 years), should I bother with a 401k contribution? Granted the matches are nice to have, but what about early withdrawal fee's / vesting time?

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When you leave the country your income will be $0.. so even paying 10% the tax rate will be ok

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Once you leave the tax depends on your home country, you wouldn't have to pay any in US based on the amount being withdrawn, but the tax rates in your home country could be much higher.

To each their own but I make more in the market and being on a visa I don’t want to keep money stored in retirement funds. Made the mistake with PPF in India. Not going to do it in the US. Deloitte’s match is horrible - I make more in the market directly

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Agree as Deloitte's match is horrible and also not made per paycheck, so the money doesn't grow over time as well

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