<prompt> Human: I work at a call center and they gave us the option of signing up for a 401k through Wells Fargo, American Funds. I was told that if we leave our place of employment, they money that my company matched will be taken out. After 1 year: 0 vested2 years: 20 vested3 years: 40 vested4 years: 60 vested5 years: 80 vested6 years: 100 vested ---What does this mean???I am at a total loss as to what the heck this is. Is this common or did I sign up for a scam? EDIT Thank you for all responding! I found the information very helpful.  <response>: Its common and is a means for a company to maintain employee retention. As an example, say after 2 years but before your 3rd year of employment, you leave the company and have 5,000 employee contributions and 5,000 employer contributions in your 401k. Company will take away 80 of their contributions leaving you with 6,000 since only 20 of their contributions have vested at that point. 