Investment Options
The Qualcomm 401(k) offers a traditional mutual fund lineup and Fidelity BrokerageLink. Fidelity BrokerageLink provides thousands of investment options, allowing you to have your Qualcomm 401(k) account professionally managed.
Professionally managed accounts can generate 3% to 4% higher returns per year.
Have Your Qualcomm 401(k) Account Professionally Managed
2026 Contribution Limits
| Under age 50 | $24,500 |
| Ages 50-59 or 64+ | $32,500 [$24,500 + $8,000 catch-up] |
| Ages 60-63 | $35,750 [$24,500 + $11,250 catch-up] |
Pre-tax Contributions and Pre-Tax Catch-up Contributions
With pre-tax contributions and pre-tax catch-up contributions, you defer income taxes until you withdraw the assets.
Roth Contributions and Roth Catch-up Contributions
With Roth contributions and Roth catch-up contributions, you pay taxes on the contributions but withdrawals are tax-free.
Qualcomm Match
Qualcomm matches 100% on your first $1,500 of contributions in 2026. Then, Qualcomm matches 50% on your next $1,500 of contributions in 2026. Then, Qualcomm matches 33% on your next $7,500 of contributions in 2026. Then, Qualcomm matches 10% thereafter up to the IRS limit in 2026.
The maximum match is $6,125 for those under age 50 in 2026. You must contribute $24,500 to receive your full match.
The maximum match is $6,925 for those ages 50-59 or 64+ in 2026. You must contribute $32,500 to receive your full match.
The maximum match is $7,250 for those ages 60-63 in 2026. You must contribute $35,750 to receive your full match.
Qualcomm matches vest 50% after the first year and 100% after the second.
Qualcomm Match Examples
Employee Contributes 2% of Salary
Based on a $360,000 salary, you contribute 2% of your salary or $7,200. Qualcomm will match your first $1,500 of contributions with $1,500, your next $1,500 with $750 and your next $4,200 of contributions with $1,400, for a total of $3,650.
Employee Contributes 6% of Salary
Based on a $360,000 salary, you contribute 6% of your salary or $21,600. Qualcomm will match your first $1,500 of contributions with $1,500, your next $1,500 with $750, your next $7,500 of contributions with $2,500 and your next $11,100 with $1,110, for a total of $5,860.
Mega Backdoor Roth
In addition to your pre-tax and Roth contributions and the Qualcomm match, you can utilize a Mega Backdoor Roth. You can contribute after-tax to your 401(k) up to the limit of all employee and employer contributions, then convert those after-tax contributions to a Roth IRA or Roth 401(k).
2026 Contribution Limits for All Employee and Employer Contributions
| Under age 50 | $72,000 |
| Ages 50-59 or 64+ | $80,000 |
| Ages 60-63 | $83,250 |
Mega Backdoor Roth Examples
Employee Under the Age of 50
Based on a $360,000 salary, you can generate $70,000 in 401(k) contributions. In addition to your pre-tax or Roth contributions and your Qualcomm match, you can contribute $41,375 after taxes.
| Your pre-tax or Roth contributions | $24,500 |
| Qualcomm match | $6,125 |
| Your Mega Backdoor Roth contributions | $41,375 |
| Total | $72,000 |
Employee Age 50-59 or 64+
Based on a $360,000 salary, you can generate $80,000 in 401(k) contributions. In addition to your pre-tax or Roth contributions and your Qualcomm match, you can contribute $40,575 after taxes.
Starting in 2026, if your wages from the preceding year (2025) exceeded $145,000 (indexed to $150,000–$160,000 depending on final IRS inflation adjustments, though $145,000 is the base threshold), any catch-up contributions must be made on a Roth basis.
| Your pre-tax or Roth contributions | $24,500 |
| Your Roth catch-up contributions | $8,000 |
| Qualcomm match | $6,925 |
| Your Mega Backdoor Roth contributions | $40,575 |
| Total | $80,000 |
Employee Age 60-63
Based on a $360,000 salary, you can generate $83,250 in 401(k) contributions. In addition to your pre-tax or Roth contributions and your Qualcomm match, you can contribute $40,250 after taxes.
Starting in 2026, if your wages from the preceding year (2025) exceeded $145,000 (indexed to $150,000–$160,000 depending on final IRS inflation adjustments, though $145,000 is the base threshold), any catch-up contributions must be made on a Roth basis.
| Your pre-tax or Roth contributions | $24,500 |
| Your Roth catch-up contributions | $11,250 |
| Qualcomm match | $7,250 |
| Your Mega Backdoor Roth contributions | $40,250 |
| Total | $83,250 |
Have Your Qualcomm 401(k) Account Professionally Managed
Qualcomm and Skloff Financial Group are not affiliated companies. While we make efforts to keep the information accurate, we make no guarantees. Please contact your benefits department to verify the information.
