Hello, I would like to post this query to people who are living in the US for quite sometime and are aware about the 401(K) investment. My husband works for a company in H1B visa and they match 50% of employee's investment in 401(k). I heard it is investing for retirement and similar to the PF investment in India. We have plans of going back to India in another 5 or 6 years. So is it worth investing in 401(K)? If we withdraw money from 401(k) before retirment age, what is the penalty? Please share your thoughts about it.