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My company offers a 3.5% match for putting in 6% per pay period.

However it’s a cliff structure so after 2 years I’m vested and nothing before that.

However there’s a good chance I’ll leave before then.

The funds aren’t particularly good with expense ratios of 0.5 After some rough math I’d be giving up 4-5k in match money. Though I’m not sure if the salary at my next job would make up for it or not.

Advice? Should I put all my cash into an IRA or something?



Submitted April 04, 2019 at 08:21AM by throwawayfortqa https://ift.tt/2FZlfOT

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