我想知道jm们一般在401k里面放百分之多少？？

我们公司只给前5%的薪水match，那是不是说我只要放5%就好了。。。好像也有人说401k是放得越多越好。。。

有没有工作过的jm们可以给我解释一下呢。。。像我这种情况放多少最好呢。。。

The money you put in 401 K is pre-tax money, some people max out the 401k to avoid paying too much tax.

Is your employer matches XX% of your contribution, up to 5% of salary? If that is the case, definitely at least contribute 5% to get the “free money” (employer match).

Individuals contribute 401(K)s to save for retirement and also to reduce current tax liabilities as 401(K) contributions are pre-tax and are excluded from your taxable income. If your personal finance allows, I would strongly recommend that you contribute as much as possible until you reach the annual maximum limit of $15,000.

可是我们过几年有回国的计划，会不会钱放那么多拿不出来呢？？？

我算了一下，$15，000/26=$576，就是说我每个bi-week放576在401k里面对吧。。。

Are you saying that you are planning on going back to permanently? If that is the case, it is not worth putting in money in 401(K) at all, even if your employer provides matching contribution. When you withdraw from your 401(K) plan in a few years, you will have to pay 10% penalty, plus taxes on the contributions and earnings. You may be better off investing your money elsewhere, such as CDs, stock market, etc.