Vesting

Definition

Process by which employees earn ownership of employer contributions to retirement accounts over time.

FAQs

Does vesting apply to gig workers?

No - gig workers don't have employers, so self-funded retirement is immediately yours.

Similar Terms

Solo 401(k)

Retirement plan for self-employed allowing both employee and employer contributions up to $66,000/year.

SEP IRA

Simplified Employee Pension retirement account for self-employed with contributions up to 25% of net income.

Roth IRA

Individual retirement account with after-tax contributions that grow tax-free, with tax-free withdrawals in retirement.

Traditional IRA

Individual retirement account with tax-deductible contributions that grow tax-deferred until withdrawal.

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Last updated: January 18, 2026

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