Articles on Stock markets

News, Research and Analysis

Help Center
Introduction
Investment Portfolios
Investment Terminology and Instruments
Technical Analysis and Trading
Cryptocurrencies and Blockchain
Retirement
Retirement Accounts401(k) and 403(b) PlansIndividual Retirement Accounts (IRA)SEP and SIMPLE IRAsKeogh PlansMoney Purchase/Profit Sharing PlansSelf-Employed 401(k)s and 457sPension Plan RulesCash-Balance PlansThrift Savings Plans and 529 Plans and ESA
Personal Finance
Corporate Basics

What are the Vesting Rules for My Keogh Plan?

Vesting rules depend on the type of Keogh contributions being made. The IRS imposes certain rules on Keogh Plans, which includes vesting restrictions. Different employers might have totally different vesting schedules, as long as they satisfy the IRS rules.

It depends on the type of contribution being made, such as matching or profit-sharing or money-purchase contributions, whether the plan is a QACA, and so on. Many contributions are immediately vested, while some are gradually vested over a few years, and some are on a cliff-vesting schedule.

To learn more information about vesting, see “How Does Vesting Work?"

The vesting schedule for any qualified plan is in its summary description. Keep in mind that only employer contributions require vesting; all employee contributions and deferrals are immediately vested.

What are My Keogh Plan Investment Options?
What are the Withdrawal Rules for My Keogh Plan?

Keywords: retirement accounts, vesting, cliff vesting, graduated vesting, employer contributions, matching contributions, profit-sharing plan, QACA, Keogh,