Has anyone personally had experience with keeping an old 401k that they were not fully vested in employee match, but having the fortune that the plan was terminated and became fully vested?
Background: I have a 401k from an old job I was only at about 10 months. In that time I became 50% vested in the employee match. With it being a relatively small amount overall < $7000 I decided to keep it there as it just pained me to lose any match even though it was only about $1500. I doubt I’d ever be back to reach the 100% vested threshold, but it’s not totally out of the question.
My best hope is that they terminate the plan for whatever reason and I become fully vested and I can take out my money.
Has anyone had personal experience/luck with this happening? Is this scenario so rare or unlikely that I’m better off taking the money and putting it into a fund I actually like?