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What happens to gains or losses on unvested retirement money when I leave my job?

Friday, April 15th, 2011
Aaron J asked:


If I leave my job before becoming vested, I understand that the company takes back the unvested money. But what if there is less money in the fund than what they have put in due to bad investments? Or what happens if I had made a lot of money due to good investments? Can they take back more than they put in if I make earning off of their money? Or do I owe them money if there is less than what they have put in due to losses?