Negotiating salary to potentially work for a competitor. Ho do you value lost employer match in 401k? Example, I have $17,000 in employer match that will vest over the coming 3 years, a nice chunk in about a year. New company’s plan is similar, but that $17,000 is never vested if I leave my current company. I recognize they cannot just drop $17,000 in my 401k due to tax laws and the nature of retirement savings. How have you made up for this benefit in negotiations? More salary? Signing bonus?

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Lost bonuses are normally made up for in a signing bonus, but a 401(k) match you typically just lose. This is part of the reason why people normally need a significant raise for it to be worth it to switch jobs.

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Possibly ask for signing bonus, or restricted shares that have the same vesting schedule as your old 401k.
Annual salary to make up for a missed vest doesn’t make sense (though of course negotiate for as high as you can).
You might just have to give it up.

Ugh, lost match and RSUs a few times. You can try to justify a sign on but I didn’t get too much love with that. I really wanted to move on, so just looked big picture and long term benefits of jumping ship.

New employer might have same match and then the true-up contributions so probably not much difference in the 401k.

A new employer could drop $17k in your 401k on day 1 if they wanted. IRS rules allow for the employer and employee contributions (combined) to be up to $66k in 2023. You can always ask and the worst they can say is no. If they wont do that, then try to work it into a signing bonus then max out a traditional or Roth IRA for the next 3 years.

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