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