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FC MARKETS

Markets, money and the economy, explained for American investors

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Secure 2 0

2 articles

Retirement

401(k) Employer Match and Vesting Explained: What You Actually Keep

An employer match can be one of the most valuable parts of a paycheck, but formulas, true-ups and vesting schedules decide how much of it you really keep. This guide explains how common match formulas work, how cliff and graded vesting differ, and what happens to the match when you change jobs.

7 min read

Retirement

Catch-Up Contributions Explained: Saving More for Retirement After 50

Once you turn 50, the IRS lets you put extra money into 401(k)s, 403(b)s, 457 plans and IRAs. This guide explains who qualifies, how catch-up contributions work in each account, the SECURE 2.0 changes for ages 60 to 63 and the Roth rule for higher earners, plus the year-end deadlines that matter.

6 min read