ffwjt
困惑，我的401k
1847
10
2006-10-12 21:27:00
我公司401k的政策是这么说的：
xxx company contributes matching dollars to your account of 25% of the first 4% you contribute to the plan up to a maximum of 1% of compensation which will be vested over 4 years.
是不是我一年买15,000公司才match 150? 如果真是这样，还要不要开401户口？买吧，就省一点税，钱也给套住了，还没买房呢。
The matching progam isnt that decent at all.
It would be a good idea to create another retirement fund elsewhere.
最多MATCH你工资的1%,假如你放>=4%的话.而且4年才能100%归你带走,跳槽的话.
要我就放4%,不拿白不拿,你也不知道要待几年.当然工资够高的话,放个15K,少交税呀.
Not a good match.
If I were you, I will put 4% of your salary on it, so the company will match 25% x 4% = 1%. So you will have 5% in account. But this 1% is only yours (you can control it) after 4 years.
Thanks for the comments.
[此贴子已经被作者于2006-10-13 22:54:57编辑过]
25% of the first 4% you contribute to the plan
我的理解是如果我的contribution是8000，公司只给8000 x4% x25% =80, 我理解错了？
I think uou are wrong. Check my above post. (ps: don't think in that way, the company is tooooo mean on this?)
wow, which company?
curious
wow, which company?
curious
25% of the first 4% you contribute to the plan
我的理解是如果我的contribution是8000，公司只给8000 x4% x25% =80, 我理解错了？
No! Suppose your total compensation is X and you contribute y%, your company match:
X * (max(4%,y%)) * 25%
到底了
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