Here's an example of a six-year graded vesting schedule: With cliff vesting ... It's typical to see an employer match 3% to 6% of an employee's salary. Here's an example of a four-year vesting ...

A cliff vesting schedule might require you to work two years before any employer contributions vest. A graded vesting schedule vests a percentage of employer contributions over several years.

But if you leave after five years, you get 100% of your promised benefits. Graded vesting. With this kind of vesting, at a minimum you're entitled to 20% of your benefit if you leave after three ...

For example, the company may provide 50 cents for every $1 you save, up to 6% of your ... a cliff vesting schedule can last; six years is the longest period a plan can use for a graded schedule.

Other employers have graded vesting schedules that allow departing employees to keep a portion of their 401(k) match based on their years of service, but they generally don't qualify for all of ...