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  • #投资

小白看不懂公司的401K求科普

crowey
3718
18
即将毕业的小白并看不懂公司的401k到底是怎么算的,求解释orz

The company provides a matching contribution in cash at a

maximum rate of 4.5% of eligible compensation. To receive

the maximum match, an employee must contribute at least

6% of eligible compensation through any combination of

Pre-Tax and Roth (After-Tax) contributions. The company

match vests 25% for each year of service to company. Your

contributions are always 100% vested.

我看了很多科普贴,大概就是比如说自己投100刀,公司就match给我25刀(按照上面写的25%),然后按照2020年每人最多投19500刀进401k账户

但是我看不懂上面的4.5%和6%是啥意思....??...orz

然后对于刚开始工作的小白来说,现在工资的税率应该比之后要低,所以还是尽可能的投roth对吧?
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