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Old 01-16-2015, 02:59 PM
 
Location: South Texas
478 posts, read 890,784 times
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I have one specific 401K in which I am not fully vested. There is a sizable difference between the Vested Balance and the account's actual balance. For example: $80,000 fully vested but the 401K account has a balance of $100,000.

Question One: If I were eligible to start making withdrawals today, what happens to this $20,000?

Question Two: If I were to roll this 401K into another of my 401K account, is only the vested balance is transferred? And, if I roll the funds, what happens to the $20,000?

Thanks!
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Old 01-16-2015, 03:01 PM
 
18,634 posts, read 13,431,397 times
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If you terminate from service the balance that isn't vested is gone, you can't take or take out the non-vested portion


What happens to the 20k the company keeps it
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Old 01-22-2015, 07:44 PM
 
Location: Out in the stix
1,590 posts, read 2,540,143 times
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Correct, the financial company that handles your employers 401k will know to returnthe non vested balance back to your ex employer. The $ you put in you are always 100% vested.
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Old 03-27-2016, 10:45 AM
 
Location: FAIRFAX, VA
600 posts, read 487,716 times
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Bump
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