미국에서 회사 생활 이제 1년 다되어 가는데, 아직 401k 가입을 안했습니다. 회사 베네핏 자료를 읽어보니 아래와 같은데요.

Retirement ING 401K

Employee Contributions Only

Maximum $XXXXX

Employee Managed Funds

Profit Sharing Plan

ING Managed Funds

Company contributes 4% of annual salary

다른 분들 회사가 얼마를 매치해주고 그런게 있다는데, 아래 ING Managed Funds 4% of salary 이게 회사가 매치해주는건가요? 위에 Employee Managed Funds라고 나와 있는 걸로 봐선 매치 해주는게 없는것 같기도 하구요. 보통 compensation의 몇%를 넣으면 되는건지요? 초짜니 너무 가혹하지 않게 알려주시면 감사하겠습니다.

1. There is no match in your 401K plan. Altough there is no match in 401K, you have a decent pension plan as below.
2. Instead of traditional defined benefit pension plan, your company seems to give you 4% of your salary every year for your pension. It is so-called defined contribution pension. This is not your 401K. So, you don’t need to contribute any money to get this pension benefit. Profit sharing plan is technically same as pension plan. There could be a cliff vesting (i.e. you should work for the company for required years to get 100% of balance. Otherwise, you will be forfeited based on your service at the company.

To make sure, please ask your boss

친절한 설명 감사드립니다.