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What are the vesting rules for employee contributions to a SIMPLE IRA?

In a SIMPLE IRA plan, both employee and employer contributions are 100% vested immediately. This means:

• Any money you contribute as an employee is fully yours from day one.

• Employer contributions—whether matching or non-elective—are also entirely yours, even if you leave the company.

There are no waiting periods or vesting schedules in a SIMPLE IRA.