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At Deloitte there is a 10 year period to vest in the pension - some see this as a golden handcuff. But honestly, it is not a financial mistake even if you stay for 1 year. You get your capital out when you leave and you make more than most while you are there. The longer you stay, the bigger the reward. So your bigger risk is getting to a point where the financial compensation makes it just not make sense to move elsewhere and expect the same return on career investment.
OP. It could be different at EY. At Deloitte, I've only ever heard 10 years
I think you’re asking about the break even period, no?
10 yrs is the required vesting period
Vesting. I've heard 3, 5 and 10 years
What do you mean required vesting period? The unit shares have a vesting period? Anyone have a good source to read up on how this works?
The vesting period relates to the pension. The shares/units you pay for and that is the basis for your partner capital account (can fund the buy-in with a loan). You get your capital back if you leave. No vesting.
So I'm looking at 10 years to make it worth while? I plan to take the biggest loan they will let me
EY, you can take out a full loan and pay only the interest. Then you owe only the cost of the shares back. The vesting is related to the pension.
10-12 years.