s****e
发帖数: 6379 | 1 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
要四年才行，太黑了 | b**u
发帖数: 2761 | 2 很多公司都这样，两三年后vest居多。
工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
要四年才行，太黑了
【在 s****e 的大作中提到】
: 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
: 要四年才行，太黑了
| k**i
发帖数: 10191 | | b*****e
发帖数: 53215 | 4 401k要vest干吗？你的是rsu吧
【在 s****e 的大作中提到】
: 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
: 要四年才行，太黑了
| f*******n
发帖数: 12623 | 5 很多时候401k的match要vest的。
【在 b*****e 的大作中提到】
: 401k要vest干吗？你的是rsu吧
| r****9
发帖数: 4961 | 6 辞职之前没有问清楚？ 这些都是辞职的cost, 很多时候都要问下家给点bonus来补偿的。
【在 s****e 的大作中提到】
: 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
: 要四年才行，太黑了
| s****e
发帖数: 6379 | 7 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
要四年才行，太黑了 | b**u
发帖数: 2761 | 8 很多公司都这样，两三年后vest居多。
工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
要四年才行，太黑了
【在 s****e 的大作中提到】
: 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
: 要四年才行，太黑了
| k**i
发帖数: 10191 | | b*****e
发帖数: 53215 | 10 401k要vest干吗？你的是rsu吧
【在 s****e 的大作中提到】
: 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
: 要四年才行，太黑了
| f*******n
发帖数: 12623 | 11 很多时候401k的match要vest的。
【在 b*****e 的大作中提到】
: 401k要vest干吗？你的是rsu吧
| r****9
发帖数: 4961 | 12 辞职之前没有问清楚？ 这些都是辞职的cost, 很多时候都要问下家给点bonus来补偿的。
【在 s****e 的大作中提到】
: 工作一年零两个月, match的部分没有vest, 打电话去问，说拿不到，不能rollover。
: 要四年才行，太黑了
| b***r
发帖数: 1118 | | b**u
发帖数: 2761 | 14 What does vesting mean?
The "vested" portion of your 401(k) account is the part that belongs to you
and cannot be forfeited if you leave your job.
There are two types of 401(k) contributions: the contributions you make and
the contributions your employer makes (such as a matching or profit-sharing
contribution). The money you contribute, adjusted for any investment gain or
loss, is always 100 percent vested. That means this money is always 100
percent yours.
The contribution your employer makes, on the other hand, may be subject to a
vesting requirement. This means that you must earn your employer's
contribution over time. In 2002, the maximum vesting period was reduced as a
result of the 2001 tax law.
Vesting requirements are very common in 401(k) plans. The two types of
vesting schedules are graded vesting and cliff vesting.
With graded vesting you own an increasing portion of the employer
contribution each year you are with your company. If your company had a five
-year graded vesting schedule, you might be 20 percent vested after one year
, 40 percent vested after two years, etc. By law, the longest graded vesting
schedule a 401(k) plan can have is six years (down from seven years in 2001
). Employees must be at least 20 percent vested after two years of service
and an additional 20 percent for each subsequent year until in year six, the
account is 100 percent vested.
With cliff vesting the employer contribution becomes 100 percent vested
after a set period of time. So if your vesting requirement is three years
and you leave your company after two years, you won?t get any of the
employer contributions. Currently, the longest cliff-vesting schedule
allowed by law is three years (down from five years in 2001).
The reason companies include a vesting requirement in their 401(k) plan is
that it provides an incentive for employees to stick with the company.
Say, for example, your company's 401(k) plan has a four-year graded vesting
schedule, with 25 percent of the employer match vesting each year. The
employer match is 50 cents on the dollar. After two years, when you are 50
percent vested, you decide to leave your job.
Your 401(k) account balance consists of:
Your contributions (adjusted for investment gain or loss) = $7,000
Employer contributions (adjusted for investment gain or loss) = $3,500
Your total account balance is $10,500. But your vested account balance is
only $8,750 ($7,000 plus 50 percent of $3,500). So by leaving your job after
only two years, you've essentially "lost" $1,750.
One last tip: if you are planning to leave your job, make sure you find out
when the employer matching contributions are deposited into the account.
Some employers deposit matching contributions every pay period, but others
only make the deposits once a year. In such a case, if you were to leave
your job before the contribution for the most recent year were deposited,
you could lose a whole year's worth of matching contributions.
【在 b***r 的大作中提到】
: 职场新人询问：
: 什么是vest？
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