62% of workers view 401(k) employer match as key to reaching retirement goals. But they may wait years for those contributions to be their own - CNBC

Less than half of companies (41%) let workers take immediate ownership of employer contributions to 401(k) plans and some may make their workers wait six years.

If your employer's contributions to your 401(k) plan are a big part of your retirement planning, be sure you understand when that money will actually belong to you. Vesting schedules the length of t… [+2600 chars]

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