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

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.

Qualcomm Match

Qualcomm matches 100% on your first $1,500 of contributions in 2025. Then, Qualcomm macthes 50% on your next $1,500 of contributions in 2025. The maximum match is $11,500 in 2025. Then, Qualcomm macthes 33% on your next $7,500 of contributions in 2025. Then, Qualcomm macthes 10% thereafter up to the IRS limit in 2025.

The maximum match is $6,025 for those under age 50 in 2025. You must contribute $23,500 to receive your full match.

The maximum match is $6,775 for those ages 50-59 or 64+ in 2025. You must contribute $31,000 to receive your full match.

The maximum match is $7,150 for those ages 60-63 in 2025. You must contribute $34,750 to receive your full match.

Qualcomm matches vest 50% after the first year and 100% after the second year.

Qualcomm Match Examples

Employee Contributes 2% of Salary

Based on a $350,000 salary, you contribute 2% of your salary or $7,000. Qualcomm will match your first $1,500 of contributions with $1,500, your next $1,500 with $750 and your next $4,000 of contributions with $1,320, for a total of $3,570.

Employee Contributes 6% of Salary

Based on a $350,000 salary, you contribute 6% of your salary or $21,000. 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 $2,475 and your next $10,500 with $1,050, for a total of $5,775.

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).

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 Qualcomm match, you can contribute $40,475 after taxes.

Your pre-tax or Roth contributions	$23,500
Qualcomm match	$6,025
Your Mega Backdoor Roth contributions	$40,475
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 Qualcomm match, you can contribute $39,725 after taxes.

Your pre-tax or Roth contributions	$23,500
Your pre-tax or Roth catch-up contributions	$7,500
Qualcomm match	$6,775
Your Mega Backdoor Roth contributions	$39,725
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 Qualcomm match, you can contribute $39,350 after taxes.

Your pre-tax or Roth contributions	$23,500
Your pre-tax or Roth catch-up contributions	$11,250
Qualcomm match	$7,150
Your Mega Backdoor Roth contributions	$39,350
Total	$81,250