회사 다니는데 제가 경험이 없어서 401K 플랜 내용을 도저히 이해를 못하겠어요.
이해 좀 도와주세요.
- Traditional 401k is the type that permits a custom vesting schedule, not to exceed 6 years.
- If you used a 6-year schedule would be 0% in year one, 20% in year 2 and 20% more each year until is 100% in year 6.
- You can also use the vesting schedule that you mentioned would be 0% in years 1 and 2 and 100% when an employee reaches their 3-year anniversary.
- Matching would take place per pay cycle. For example, if you were matching 100% up to 6% and an employee saved 6%, then you would match 6% in that pay cycle.
도저히 어느 부분부터 이해를 해야할지 모르겠어요. 금융 이해 지식이 너무 없어 한숨이 나옵니다.
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