EmailThose who have worked at more than one employer in their career have likely come to the realization that employer 401K matching is wildly inconsistent. I have worked at employers who have matched anywhere from 2% to 7% of salary, and even one that matched in an entirely different way – by percentage of my personal contribution. It can signal whether or not your current employer is offering a good match that you should not be overlooking while employed by them.
According to the Bureau of Labor Statistics, the typical or average 401K match nets out to 3.57%. If you are in the minority who get a match on over 6% of your salary, GET THAT FULL MATCH EVERY YEAR. If you don’t get a match at all, open up and contribute to a Roth IRA or Traditional IRA (I house both with TradeKing).
In addition, we have a pension plan in which an employee is fully vested after 5 years of service. My company matches the first 3% into the 401k plus we get a 7% annual contribution into an employer funded pension.
He can have a good amount of distribution during his retirement years and still have some cash value and death benefit left not to mention tax advantages he can avail. I’ve always been a fan of term-life, but cash value is looking more appealing in turbulent times.
If that $203 difference were in a 5% investment, it would be worth $120K at the end of the term, and $300 K at 65 (starting at 25). I have an awesome 401(k) match with the larger company that recently acquired my smaller company. My company puts in 10% of your salary no matter what you put in, but you have to be there a year before they will do that.
The one thing I hate is that I just hit the highly compensated employee (HCE) salary threshold (this is an IRS rule that really stinks), and I only make a about 111K. There are ways my company could legally restructure the plan so HCEs like me could contribute the max, but I think it would cost them more.
My employer just went from a 9% 401(k) contribution (starting after 1 year of employment) to up to a 3% match prorated on your length of service (you have to have worked here 5 years to qualify for the match) and your own contribution. I’ve never had less than a $1 for $1 match in the last 3 companies, but none of them have ever come close to maxing at 100%. One thing i think is seldom articulated when discussing percent match is if the match is a percentage of your contribution or of your eligible salary.
Does $17k limit for 2012 include the employer match or is this something I can personally contribute? I am in a graded vesting schedule with retirement matching starting on the first January 1st after 500 hours worked in previous 6 months. I am retired but, my partner works for a company who announced at the end of 2012 that they would only match those employees contributing 4-6% of their paycheck to their 401K.
Some plans include a little of both: some matching that requires you to contribute to receive the match, and some elective contributions or profit sharing that do not require any employee contribution.
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As of July 2010, employees are 100% vested in new matching company contributions after only two years of service instead of 5 years.
Thus, by choosing permanent insurance rather than an ETF, you avoid market risk and volatility.
I’m a Peace Corps volunteer, so I have no personal stake in plugging one company or the other, but generally speaking mutual companies tend to perform better than stock companies with whole life products (since dividends are distributed to insurance policy owners, particularly to whole life owners, rather than shareholders) and generally speaking Northwestern Mutual, New York Life, and Mass Mutual offer the most profitable products. It’s like Tier 1 Capital for individuals (though many large corporations employ permanent insurance for just that reason).
2010, worked a full year in 2011 and 2012 with matching beginning January 1st, 2012 (first eligibility).
I’ve been with my company, (a SMB tech company) for six months and I just found out they only contribute 6% of my contribution amount, so no match here. Download and use it now, or keep browsing another Click N Ship Login gallery to find related wallpapers.
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Vanguard also gives NM employees the option of contributing to a Roth 401k, Standard 401k, or both. For example, my pension begins payments upon retirement at age 67, recently increased from age 65 (in Jan of this year), which was recently increased from age 60 (few years ago). This means that if you contribute 6% of your pay, and the company contributes 7% your effective contributions before vesting is 13%. Current service counts toward vesting, so if you had more than two years of service prior to July 1, 2010, you would have been fully vested in any new matching company contributions to the 401(k) Plan. After the acquisition, we were immediately welcomed into the 401(k) matching of our new owners, which is 50% up to the maximum contribution. This means if I end up contributing 6% of my salary, they end up contributing $144 a year..
A number like 6% sounds more like a contribution that’s based on your annual salary, and usually independent of your own contributions.


Currently they match 100% of the first 6% we contribute and have a 3% guaranteed profit sharing contribution. This Click N Ship Login picture is provided only for personal use as wallpaper on computers, smartphones or other display devices.
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I immediately started contributing the max of $16,500 per year, meaning I get $8,250 matched. On top of that, it wasn’t dependent on your contribution, but instead on what perecentage your compensation is divided by the total compensation for all employees.
So for max match, I contribute 4% and they contribute 6%, which is SO much better than my last plan. Download the full size for your HD screen, or choose a smaller version of this wallpaper for your smartphone or tablet. Your continued use of the Site after any such posting indicates that you accept any such changes in these Terms of Use. Neither the Site nor any Content may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of RRPC.
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Not only that, but they offer a Roth option, so that’s where my entire contribution goes. So if you’re underpaid (or, for that matter, a woman), the pay difference gets compounded. If any images that appear on the website are in Violation of Copyright Law or if you own copyrights over any of them and do not agree with it being shown here, please also contact us and We will remove the offending information as soon as possible. Click to share on twitter (opens in new window) click to share on google+ (opens in new window) share on facebook (opens in new window) click to share on pinterest.
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I’m good at saving but am wondering if it would be better to invest my money elsewhere.



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