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Old 12-17-2015, 11:00 AM   #21
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the explanation I've received from vendors (this was years ago) on this subject is that "but there's nothing to match for the remainder of the year if the contribution is front-loaded" - a quick reading of the code and regs shows that matching a frontloaded contrib is clearly allowable
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Old 12-17-2015, 11:27 AM   #22
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I don't care WHEN they give me the 3% match. I just want to make sure they DO give me the 3% match. I won't be vested until the 2 yr mark. Currently 4 months in, 20 to go. Basically I want the compounding on the 24K starting in April each year. If the 3% gets added 9 months later, so be it.
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Old 12-17-2015, 02:01 PM   #23
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I used to time my contributions so that I hit the max allowed in December but then I discovered that my company gave the 3% match even in the months after I'd maxed out. From that year on I'd put away the max allowed each month (20% I believe at the time) and the last few months of the year would show zero contributions from me but a 3% match from the company.
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