Investment Options

The Oracle 401(k) offers a traditional mutual fund lineup and Fidelity BrokerageLink.  Fidelity BrokerageLink provides thousands of investment options, allowing you to have your Oracle 401(k) account professionally managed.

Professionally managed accounts can generate 3% to 4% higher returns per year.

Have Your Oracle 401(k) Account Professionally Managed

2025 Contribution Limits

Under age 50	$23,500
Ages 50-59 or 64+	$31,000  [$23,500 + $7,500 catch-up]
Ages 60-63	$34,750  [$23,500 + $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.

Oracle Match

Oracle matches 50% on your first 6% of your contributions, subject to an income limit of $350,000 in 2025. The maximum match is $5,100 in 2025. You must contribute 6% to receive your full match.

Oracle matches vest over 4 years, 25% annually.

Oracle Match Examples

Employee Contributes 2% of Salary

Based on a $350,000 salary, you contribute 2% of your salary or $7,000. Oracle will match your contribution with 1% of your salary or $3,500.

Employee Contributes 6% of Salary

Based on a $350,000 salary, you contribute 6% of your salary or $21,000. Oracle will match your contribution with 3% of your salary, subject to the $5,100 maximum match, or $5,100.

Mega Backdoor Roth

In addition to your pre-tax and Roth contributions and the Oracle 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).

2025 Contribution Limits for All Employee and Employer Contributions

Under age 50	$70,000
Ages 50-59 or 64+	$77,500
Ages 60-63	$81,250

Mega Backdoor Roth Examples

Employee Under the Age of 50

Based on a $350,000 salary, you can generate $70,000 in 401(k) contributions. In addition to your pre-tax or Roth contributions and your Oracle match, you can contribute $41,400 after taxes.

Your pre-tax or Roth contributions	$23,500
Oracle match	$5,100
Your Mega Backdoor Roth contributions	$41,400
Total	$70,000

Employee Age 50-59 or 64+

Based on a $350,000 salary, you can generate $77,500 in 401(k) contributions. In addition to your pre-tax or Roth contributions and your Oracle match, you can contribute $41,400 after taxes.

Your pre-tax or Roth contributions	$23,500
Your pre-tax or Roth catch-up contributions	$7,500
Oracle match	$5,100
Your Mega Backdoor Roth contributions	$41,400
Total	$77,500

Employee Age 60-63

Based on a $350,000 salary, you can generate $81,250 in 401(k) contributions. In addition to your pre-tax or Roth contributions and your Oracle match, you can contribute $41,400 after taxes.

Your pre-tax or Roth contributions	$23,500
Your pre-tax or Roth catch-up contributions	$11,250
Oracle match	$5,100
Your Mega Backdoor Roth contributions	$41,400
Total	$81,250