In an effort to prevent employees from defecting for higher pay at Goldman and Lehman, Morgan Stanley is giving its workers who make more than $500,000 more incentive to stay, according to Bloomberg.

The new “leveraged co-investment plan” reportedly allows the $500k-and-above crowd to invest up to 30 percent of their bonuses in Morgan’s own LBO and hedge funds. Morgan will also kick in low interest loans that allow employees to triple their investment into the funds. But it’s not all easy money: employees get none of the investment nor the gains if they leave before three years, but all gains in the funds — after three years — go to the employee.

According to recruiter Jason Kennedy, Morgan typically pays 10 to 20 percent less than Goldman and Lehman.