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Reply to "Pension plan or 401k?"
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[quote=Anonymous]MD State employee here. I would do the 401k. If it's like MD's there is no vesting (100% at 5 years, 0% anytime before 4 years 364 days). I think that is a huge gamble which is why I went with their optional retirement plan. I also like that I have control over the investment (within the options available) and can leave at any time and take it with me. Also, at a prior job that had a pension, I realized at year 3 I HATED it but sucked it up and was beyond miserable for the next two years. I wasn't willing to take that risk.[/quote]
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