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公司没有401k的福利，怎么让公司弥补
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2006-10-18 12:13:00
可能会有offer,公司告诉我的benefit,
医疗自己出25%，5天假期，8天病假，5天法定假期，其他的福利就没有了。
没有401，太惨了，大家给点建议，我想让公司长点工资，5%左右，
我一点经验都没有，听说这个是大头，我不知道没有的话会损失多少钱。
是私人公司，他们自己当让不再胡没有退休金勒！！！！！！！！！！！
do you have any bargaining power? Most small companies do not have this benefit.
I think how you can benefit depends on how the company will match you. You only benefit from the match. The major part is your own salary.
For example, if you put 10% of your salary into 401K plan, then your company match 3%, then you will have 13% of your salary in the 401K. If you company does not match, then you will only have 10%.
So whether, and how much, do your company match is the REALY BIG deal. Another point is the 401K return rato.
Let me use an example so you can compare get the feeling of it.
For example, if your monthly salary is 5000$ (before tax, etc), and you have 35 years to retire. And assume your return is 8% per year.
If you put 10% of your salary to 401K, and the company does not match at all. Then you will have about 1.14$ Million at retirement.
If you put 10% of your salary to 401K, and the company match 3%. Then you will have about 1.49$ Million at retirement.
Another point, the money is "addable" here: (a 13% 401K) = (a 10% 401K) + (a 3% 401K), since there is no tax issue during the process.
In that way, if you want to get 1.49M, you have to put more on your own if your company does not have the match. (so you put 13% yourself will get that result).
As far as I know, company match usually comes with between 0% to 6%. (Did anyone know a company match 6% these days?)
So for a fair request, if it is me, I probabillty will try to ask the company to pay me more based on the above precentage, for example 4%, depending on the location and industrial (try to ask your friends around for the exact number). Then I will do my own 401K elsewhere.
For those company who does not have 401K, I think you can get your own 401K yourself from those outside brokers. I don't have any experience about this though.
Did I make it correctly?
I think how you can benefit depends on how the company will match you. You only benefit from the match. The major part is your own salary.
For example, if you put 10% of your salary into 401K plan, then your company match 3%, then you will have 13% of your salary in the 401K. If you company does not match, then you will only have 10%.
So whether, and how much, do your company match is the REALY BIG deal. Another point is the 401K return rato.
Let me use an example so you can compare get the feeling of it.
For example, if your monthly salary is 5000$ (before tax, etc), and you have 35 years to retire. And assume your return is 8% per year.
If you put 10% of your salary to 401K, and the company does not match at all. Then you will have about 1.14$ Million at retirement.
If you put 10% of your salary to 401K, and the company match 3%. Then you will have about 1.49$ Million at retirement.
Another point, the money is "addable" here: (a 13% 401K) = (a 10% 401K) + (a 3% 401K), since there is no tax issue during the process.
In that way, if you want to get 1.49M, you have to put more on your own if your company does not have the match. (so you put 13% yourself will get that result).
As far as I know, company match usually comes with between 0% to 6%. (Did anyone know a company match 6% these days?)
So for a fair request, if it is me, I probabillty will try to ask the company to pay me more based on the above precentage, for example 4%, depending on the location and industrial (try to ask your friends around for the exact number). Then I will do my own 401K elsewhere.
For those company who does not have 401K, I think you can get your own 401K yourself from those outside brokers. I don't have any experience about this though.
Did I make it correctly?
太感谢乐！！！！！！！！！！！！
非常清楚！我就打算和公司多要5%的工资，没有401k实在是说不过去！
其实给我的工资正不算高，中等偏下把！
在此感谢！！！！！！！！！！！
自己办401k听起来很复杂的！
只有5天假期啊~真少~！！！
不但没有401，医疗还要自己出25%，有DENTAL没有？LIFE呢？
比我老板还抠~劝MM再找找别的公司吧~
oh~ btw, we are small private company too.
i have full medical/ dental/ life paid by my boss.
401k company match 50% up to 2%
10 day pto
5 sick day
and bonus vacation days from christmas day thru new year day.
[此贴子已经被作者于2006-10-18 15:39:50编辑过]
只有5天假期啊~真少~！！！
不但没有401，医疗还要自己出25%，有DENTAL没有？LIFE呢？
比我老板还抠~劝MM再找找别的公司吧~
5天额外的假期，干满你一年还有10天假期，有dental,但是没哟life.
这是我第一个offer，fresh graduate,帮我办h1,费用share一半，给的工资基本是平均值把，
但是福利实在太差。所以我想在让他们加5%-10%。
不过如果不加的话，估计我也差不多认乐，先干着再找别的。
大家觉得怎么让，如果多给5%工资的话。
oh~ btw, we are small private company too.
i have full medical/ dental/ life paid by my boss.
401k company match 50% up to 2%
10 day pto
5 sick day
and bonus vacation days from christmas day thru new year day.
mm你的401k，假设工资5000每月，你头10%，就是500每月，公司suppose给的是250，但是不超过100，
每年你有大概1200的401k对巴，使这个算法把。10day是怎么回事，包括法定假期么？
我的是法定假期5天，5天vocation,干满一年还有10天好像。
其实我觉得他要是给我加5%就把医疗保险和401k补回来乐，如果我没算错的话！
欢迎大家分析！！！！！！
只有5天假期啊~真少~！！！
不但没有401，医疗还要自己出25%，有DENTAL没有？LIFE呢？
比我老板还抠~劝MM再找找别的公司吧~
5天额外的假期，干满你一年还有10天假期，有dental,但是没哟life.
这是我第一个offer，fresh graduate,帮我办h1,费用share一半，给的工资基本是平均值把，
但是福利实在太差。所以我想在让他们加5%-10%。
不过如果不加的话，估计我也差不多认乐，先干着再找别的。
大家觉得怎么让，如果多给5%工资的话。
能多给5%工资就上吧~
毕竟先挣经验，以后换工作说年薪还高些，因为换工作福利就不沾边了~要钱还是只看现有的年薪
到底了
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