回复 4楼xixixihahaha的帖子 CALPERS Cal public employee pension 可以到工资的 100%， 说以在UC的医院工作，最值。 itspid 发表于 2021-03-11 16:03
he/she was talking about a financial firm, not a state. I always thought pensions have gone the way of dodo birds but apparently not. Getting pension handed to you on day one sounded too good to be true.
So if you total comp is 400K you get 60K a year contributed to your pension on day one and if you work for 10 years your pension will be 600K and 30 years you get 1.8 Mil?
So if you total comp is 400K you get 60K a year contributed to your pension on day one and if you work for 10 years your pension will be 600K and 30 years you get 1.8 Mil? yolandos 发表于 2021-03-11 16:11
Federal annual cap is over 60K if one is over 50 years old and 57K if under for 2020 so 40K sounds about right. It is deferred retirement plan so it is not the same as mega back door roth which only involves after-tax contribution. Still pretty sweet good deal to work 10 years and gets additional portable 400K extra taxible deferred comp (assuming total comp of 400K a year). Since it is not a pension, the only risk is if the company goes under, I guess.
这位层主，网上发个贴，何必较真，吃个瓜不是挺好吗？还有些帖子聊哪个公司的午饭更好吃的，都是很快乐的话题啊。
大头在后头那种pension吧？你如果在那里只是10-15年的话会打大折扣吧？
每年发，一进去就有。
什么公司 这么牛 回楼主的 Google 和微软都好像是一半 是大厂里面最好的 剩下几个401 都不咋样
CALPERS Cal public employee pension 可以到工资的 100%， 说以在UC的医院工作，最值。
he/she was talking about a financial firm, not a state. I always thought pensions have gone the way of dodo birds but apparently not. Getting pension handed to you on day one sounded too good to be true.
So if you total comp is 400K you get 60K a year contributed to your pension on day one and if you work for 10 years your pension will be 600K and 30 years you get 1.8 Mil?
大部分公司是match工资的3%，4%。
工资8%属于福利好的。很多大药厂是工资的10%。个别公司随着年限能提高给到15%。
最近这些年退休的大公司员工，一部分是401k和pension双轨制，拿两份。
不是的，公司给的和个人401k加起来不能超过联邦上限。比如说联邦各种税前401/税后Roth加起来不是有5万多还是6万多/年的上限吗？减掉个人401K的max 大概2万吧，剩下的公司给。也就是说公司最多给4万不到。相当于不用自己做 backdoor roth了。而且这个也不叫pension，公司叫retirement fund.
True up 不是这个意思吧？True up是说万一你的存的timing什么的没算好导致不能拿到应得的match，它也会给你补上。
private company的pension很多只是一部分insured. 如果公司经营不好或者经历M&A, pension都会大缩水
Federal annual cap is over 60K if one is over 50 years old and 57K if under for 2020 so 40K sounds about right. It is deferred retirement plan so it is not the same as mega back door roth which only involves after-tax contribution.
Still pretty sweet good deal to work 10 years and gets additional portable 400K extra taxible deferred comp (assuming total comp of 400K a year). Since it is not a pension, the only risk is if the company goes under, I guess.
倒闭了怎么办？
Then you line up with bond holders as one of the creditors, lawyers can probably find out where you will stand in that line.
Yes. 9750刀，还是挺好的。