Hi, I am on h1b . my i140 is approved and i would like to work in usa for 5 -6 years. i can predict the future whether i will settle down in usa or move to india after 5 years. My question: I recently joined a company which has fidelity 401k . my employer contributes 4400$ for 8800$ of my contribution. My age is 30. my base pay is $190k. i am in bay area. plz advice me the percentage which is good for me? what is roth? what is pre-tax 401k? which is better? there is espp option where max limit is 15% of my pay to buy stock for discounted price of 15%. I have HSA option too. Please advice on contribution numbers. roth/pretax- 401k, espp , hsa . what will you do if you are in my position? I have very less 401k balance in my previous employer's vanguard account. around 20k total balance . could you please tell me how to send that money to my new fidelity account? #personalfinance #investments
TC n YOE in US?