Google believes that technology has the power to move the world forward. We believe your money can do the same.
As Advisors looking in, it’s clear that Google values its employees and invests in their potential. From retirement savings to healthcare plans, you have a range of Google benefits that can help you create the kind of life you want.
However, it can be overwhelming to navigate all these options and make informed decisions.
That’s why we created the resources below and are here to help.
By fully understanding and leveraging your Google benefits, you can make choices that align with your personal and professional goals and create the kind of moments and memories you want.
Whether it’s using your paid time off to travel, taking advantage of healthcare benefits to prioritize your well-being, or investing in your retirement savings, these benefits are designed to support you and help you achieve your potential.
Your compensation at Google comes in three forms:
Base Salary: Your annual salary, paid bi-monthly over the course of the year.
Performance Bonus: For those eligible, this cash bonus targets a percentage of your salary based on Google’s performance.
Stock Compensation: Your annual stock award can be elected in RSUs, Stock Options, or a 50/50 mix of both. Four stock options are given for each RSU share awarded.
Each year, eligible Google employees must elect to take their stock compensation in one of three options: 100% Stock Options, 100% RSUs, or a 50/50 mix of both.
Stock options are given out in a 4:1 ratio to RSUs, so for every 1 RSU share, you’ll receive 4 stock options.
Here’s a quick summary of the key factors:
| Google RSUs | Google Stock Options |
|---|---|
| Return: Doesn’t require an increase in stock prices. Still worth something if the stock declines. | Requires an increase in stock price (Above your strike price) to be profitable. |
| Risk: Less risky than options. | Higher risk – can be worth a lot, or nothing. |
| Taxes: Taxed as ordinary income at vesting date. | Taxed as ordinary income, but not until you exercise the options. |
The 401(k) and the Mega Backdoor Roth within it are some of the most valuable Google benefits available to employees. Here’s what you need to know:
Contribution Limits (2023): For those under 50, you can contribute $22,500. For those 50 and older, you can contribute $30,000 ($22,500 + a $7,500 catch-up contribution).
Google 401(k) Match: Google matches up to 5% of your annual salary. This is free money! To receive the full match, make sure to contribute at least 5% of your salary.
Mega Backdoor Roth: Allows you to contribute after-tax dollars to your 401(k) and immediately convert those to a tax-free Roth account. At Google, you can contribute 3% of your annual salary to the Mega Backdoor Roth, with a cap on total contributions at $9,900.
The Deferred Compensation plan is another valuable Google benefit to grow your savings and help save on taxes:
Contribution Limits: Up to 75% of next year’s base salary and up to 100% of next year’s bonus.
Who’s Eligible: Employees earning $150k of base compensation or more.
Plan Details: Defer salary or bonus into the plan, reducing your tax bill today. Contributions grow tax-deferred and are paid out (and taxed) at a future date based on the distribution schedule you elect. Note: Your money in the Deferred Compensation plan is an unsecured liability of Google.
Google’s ESPP allows eligible employees to buy Google stock at a discount, providing an opportunity to earn “free money”:
Enrollment: Every six months (in March and September).
Discount: 15% using a “Lookback Period.”
Contribution: Up to 10% of your pay to purchase shares. Purchases are capped at $25,000 or 500 shares per offering period.
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