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Employer Retirement Plan Vesting and Contribution
There is usually confusion about when and what portion of your company’s retirement plan a worker is entitled to. This is called vesting.

Standard employer contributions come under what is known as Cliff vesting, 0% for the first 2 years, 100% thereafter (was 5 years).

Graded vesting is used for an employer’s matching contributions, beginning with the workers right to 20% after 2 years, 40% after 3 years, 80% after 5 years, and 100% after 6 years.

Cliff vested profit sharing remains at 100% after 5 years, and uses the graded schedule for matching contributions.

An employee’s contributions are always 100% vested.

Other Retirement Planning Topics:

  1. Retirement Planning
  2. IRA’s (Individual Retirement Account) – Traditional IRA
  3. Roth IRA – Taking Money Out
  4. Employer Sponsored Retirement Plans
  5. Retirement Plans - Continued
  6. 401K Savings
  7. Notes for 403(b) Plan Participants
  8. Senior citizens retirement resources
  9. Retirement Plans for Small Business and Sole Proprietors
  10. Simplified Employee Pension (SEP) IRAs
  11. SIMPLE (Savings Incentive Match Plan for Employees) IRA
  12. Your own 401(k) for the self-employed
  13. Employer Retirement Plan Vesting and Contribution
  14. Forgotten Retirement Benefits
  15. Other thoughts about retirement accounts
  16. Other thoughts about your retirement needs

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