L***s 发帖数: 2944 | 1 学校里面的职位,可以有两种选择。
如果选呢? 有没有什么依据? |
K****D 发帖数: 30533 | 2 401k: you investment by yourself.
pension: your school invest it for you.
【在 L***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 学校里面的职位,可以有两种选择。 : 如果选呢? 有没有什么依据?
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L***s 发帖数: 2944 | 3 要工作30年,才能拿到最高工资的80%。。。。
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 401k: you investment by yourself. : pension: your school invest it for you.
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K****D 发帖数: 30533 | 4 What kind of matching does it give you if you choose 401k?
【在 L***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 要工作30年,才能拿到最高工资的80%。。。。
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S****Y 发帖数: 4634 | 5 sure it's 401k not 403b? either way, choose these two.
pension might require at least a few years of service before you will
collect anything
【在 L***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 学校里面的职位,可以有两种选择。 : 如果选呢? 有没有什么依据?
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f********g 发帖数: 845 | 6 You take the investment risk with 401k/403b (DC plan). Your employer take
the risk sponsoring a pension plan (DB plan).
in general, DB plan attracts older employees or employees who plan to stay
at the job for a long time; DC plan attracts younger and mobile employees
because your own contribution is always vested.
you should look at the following things:
1. the benefit formula for your DB plan. usually it's
a factor * # of year of service * final average salary
2. any matching for DC plan?
3.
【在 L***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 学校里面的职位,可以有两种选择。 : 如果选呢? 有没有什么依据?
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m*****t 发帖数: 697 | 7 pension 也分 defined contribution 还是 defined benefit。前者自己承担风险。后
者公司承担投资风险。 |