I’m a non resident alien, and recently secured my first job in USA. My employer doesn’t match my 401k contributions until a year of employment. My long term goals do not include retiring in the USA (subject to change). I was wondering if it would make sense to invest in the 401k, and also hoping to learn more about Roth/IRAs. Any advice would be helpful.

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Retiring back to your home country or somewhere outside the USA will bring some extra tax work and related costs both in the USA and that country where you’ll live. Still I would say if you plan to work here for a number of years it will still be incredibly advantageous to you. You’ll owe taxes on earnings while you’re here so investing in retirement accounts can reduce your tax burden. More importantly living in the USA makes it a lot easier to have investment accounts and access to an incredibly broad selection of investment options. Having lived in Central Europe for 11 years (But born and raised in the USA) access to investment markets are very limited to non-existent in most countries. Maybe in the UK, France or Germany there are more options, but still less than in the USA. Best of luck!

This is remembering that my employer doesn’t match for a the first year, and then has 3-4 year vesting schedule for the contributions.
Since I won’t be earning as much from the employer contributions, my gains are offset, and I don’t personally see any massive benefits in tax due to this reason. Given the fact that it is a “retirement account”, I believe having my portfolio and funds ready, and liquid without a predetermined time horizon, I have the option to retire early.

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