You are automatically 100% vested in your Employer Contributions and their earnings if you retire on or after your Early or Normal Retirement Date.
Your “Normal Retirement Date” is the later of the date you attain age 65 and the fifth anniversary of the date you began participating in the Plan.
Your “Early Retirement Date” is the first of the following that occurs: * The date that the sum of your age and years of vesting service is greater than or equal to 75, provided you are at least 55 years of age. * The date that you have at least 30 years of vesting service, regardless of age.
我现在的公司除了有401K外，还有Pension Plan, 不需要职员contribute, 公司提供的free money, 不多，不过这么多年下来，我的account 也还是累积了不少。以前从来没有管过，今天研究了一下，才发现有如下规定：
You are automatically 100% vested in your Employer Contributions and their earnings if you retire on or after your Early or Normal Retirement Date.
Your “Normal Retirement Date” is the later of the date you attain age 65 and the fifth anniversary of the date you began participating in the Plan.
Your “Early Retirement Date” is the first of the following that occurs:
* The date that the sum of your age and years of vesting service is greater than or equal to 75, provided you are at least 55 years of age.
* The date that you have at least 30 years of vesting service, regardless of age.
我现在不满足上面的条件，那就继续留在plan 里（公司允许员工离职后继续保留pension account），以前没有管过，以后继续不管，干脆等到73岁RMD的时候再说吧。
现在慢慢开始retirement planning, 第一笔确认等到RMD再取的钱就这么定了。以此记录一下。
要不要买断公司退休金？(2023/4/2 更新） - 博客 | 文学城
my company will increase the lump sum at 8% per year. should I take it out at age 65, or 70?