Graded Vesting is a schedule that slowly gives you ownership of employer contributions made to your retirement plan over time. Instead of getting full ownership all at once, you earn a portion each year you stay with the company. For example, you might gain a certain percentage each year until you’re fully vested. Once you’re fully vested, the money is completely yours, even if you leave the job. Graded vesting is common in employer-sponsored plans and is designed to encourage long-term employment by rewarding you for staying with the company longer.