(이직) 현직장401k ,새직장 NJ state pension(PERS). 1년 맥스 합쳐 $19500인가요?

제가 이번에 이직을 하게되었어요. 새로운 쟙은 NJ state benefit 을 받게되는데 retirement system (PERS) tier 5 라고 합니다. 

제가 궁금한건 현재 직장은 401K 개념에 회사가 4% matching 해주고, 제가  401K %를 붓고있었어요 

현재 직장 401 K ,  2020년에 contribution limit   $19,500.00 in 2020.중에 The estimated remaining amount you can contribute this year is $7000 이라고 합니다. 

새로운 직장을 가면 401K 개념이 아니고 state pension 개념이라는데

2020년도  pension contribution 을  2020년도 안에 7천불을 넘기면 안되는지... 궁금합니다.

2020년 pension + 401k = limit 195000 인가요? 

펜션?! 이 401K 와 뭐가 다른지 모르겠어요 . ㅠㅠ HR 분에게 여쭈어 봤는데 잘 모르시네요 .. 25년을 일하셨다는데--_--

마일모아에 여쭈어보아요.

매번 마일모아에서 많은 도움을 받고 있어요.  마일모아 멤버님들께 감사합니다 

Public Employees' Retirement System (PERS) 

PERS Retirement Plan Eligibility

PERS enrollment and retirement eligibility is based on the "membership tier". The member's enrollment date identifies the tier the employee is enrolled under.

• Tier 1 Membership, members enrolled prior to July 1, 2007.
• Tier 2 Membership, members enrolled between July 1, 2007 and November 1, 2008.
• Tier 3 Membership, members enrolled between November 2, 2008 and May 20, 2010.
• Tier 4 Membership, members enroll between May 21, 2010 and June 27, 2011.
• Tier 5 Membership, members enrolled on or after June 28, 2011.

For enrollment eligibility please see "membership tiers".

• Employees holding "F" or "J" visas are not eligible to participate

PERS Plan Highlights

• A defined benefit plan
• Retirement benefit is based on a formula
• Employee contributions (up to the pensionable maximum set for the membership tier)
  • July 2014 6.92%
  • July 2015 7.06%
  • July 2016 7.20%
  • July 2017 7.34%
  • July 2018 7.50%
     

• Ten (10) year vesting based on credited service (years of pension contributions)
• Service Retirement- Age Requirements: may retire regardless amount of service credit:
  • Members enrolled in Tiers 1 and 2: age 60
  • Members enrolled in Tiers 3 and 4: age 62
  • Members enrolled in Tier 5: age 65
• Loans permitted upon completion of three (3) years of service
• Disability Insurance is available for members

PERS Formula Used to Calculate Maximum Annual Pension

• Membership Tiers 1, 2 and 3
  (Years + months of service)/55  x  average of the highest 3 years of membership or any highest fiscal years
• Membership Tiers 4 and 5
  (Years + months of service)/60  x  average of the last 5 years of membership or any 5 highest fiscal years

Purchasing Service Credit

• It may be beneficial to purchase additional service credit for prior public service
• Examples of service that members may be eligible to purchase include: temporary service (prior to enrollment), leave of absence without pay, former membership service, out-of-state service, U.S. government service or military service
• Request to purchase service credit is submitted online through Member Benefits Online system (MBOS).

For additional information
Division of Pensions and Benefits PERS website