401 K

The much-maligned 401(k) is becoming the retirement investment vehicle of choice for more and more companies. Do they deserve the bad rap they have received or should some blame go to investors who choose to use "cruise control?"

Before my small business introduced a retirement plan, I researched its plan options and discovered that some worker can contribute to both an IRA and a 401(k). Here’s how to decide which is best for you.

It is the start of 2012. With the start of a new year, here are three year-end "to-do's" on my list to start up the year with some good financial moves.

Working for a company that doesn't offer 401(k) makes saving for retirement really difficult. I have to make smarter investments and save more.

If your small business is a sole proprietorship, a smart year-end tax strategy could be to open an individual 401(k) retirement account. Here are nine reasons to open a 401(k) before the year's end.

With companies now narrowing the choices that will be available to 410(k) participants, I am preparing for the switch.

With the U.S. economy still recovering from a recession, chaos in European markets has done serious damage to many people's retirement plans. Other investment options are looking better every day.

The American Dream is still alive and kicking! Excuse me while I stop laughing for a minute.

Withdrawing funds from a 401(k) during a divorce may cost you extra money over and above the withdrawal fees. Documentation of 401(k) withdrawals during divorce is the key.

For advisors looking to offer simple asset allocation funds in a 401(k) plan, both target date funds and managed models are good solutions that provide instant diversification in one fund.

Many 401(k) providers claim to offer a 'œfree' 401(k) plan, but what they really mean is all the costs are borne by the participants and not the plan sponsor.

One of the biggest factors to ensuring your employees can retire with a sufficient nest egg is to offer a low cost retirement plan.

Most 401(k) recordkeepers offer an open architecture solution whereby a plan is able to utilize mutual funds or ETFs from multiple fund families; they are not restricted to proprietary funds only.

If your employer goes bankrupt you do not lose the money in your 401(k) plan, but you could be affected, depending on the type of bankruptcy, whether and how the plan is terminated, and what investments you have in your account.

There is some good news about 401(k)s, but most Americans are not saving enough for retirement.

One in seven 401(k) owners borrowed money from their plan in 2010. Probably not a good move!

When my wife and I took a hardship withdrawal from our 401(k) in 2003, we discovered that there are many rules to qualify. Read on to learn more about requirements for hardship distributions.

Interest you pay on a 401(k) loan is generally not deductible, unless the vested balance securing the loan is entirely from your employer's contributions. If you leave the company, you must repay the loan; otherwise the balance is taxed as a distribution.

Retirement fund could be a choice to consider when comes to capital raising

Learning the basics of 401(k) plans can lead to a financially stable retirement. Don't miss out on this amazing and free opportunity to learn how to invest for your future.

so it's essential to have a clear understanding of what you are truly paying for with your retirement dollars.

advisors to fully customize their fund lineups based on the needs of their participants.

Employer-sponsored 401(k) plans may have various loan provisions allowing participants to take loans against their retirement savings or take withdrawals in times of hardship.

If you are not familiar with how 401(k) retirement plans work, you could find yourself employed longer than you had anticipated.

Wouldn't it be nice if you had enough money to spend the rest of your days in comfort? Most of us right now are working hard with these two things in mind: to fulfill our needs for the present and save up to secure for our future.

I had clients that ranged from first time employees to defense contract executives and television bigwigs. They share one thing in common. They did not fully understand their 401(k) plans. Mistakes were made. Opportunity was lost.

The internet is changing the way we relate to our work retirement plans, by providing greater options for integrating your 401(k) with your personal financial plan.

Department of Labor's announced rules which will give 401(k) plan participants greater information about fees. The disclosure puts more attention on fees. It will create pressure to provide the best plan for the best cost which will drive costs down.

Congress and the President recently gave employed individuals a 2% raise through a 2% payroll tax reduction. Make good use of the temporary raise in 2011 by increasing your retirement savings.

If you start a new job and a new 401(k) plan, you may run the risk of over-contributing to the plan. I see this quite frequently in my accounting practice, but there is an easy fix- as long as you catch the error soon enough.

In don't understand why an employee would choose not to participate in a 401(k) plan. I asked around and here is what I found.

I asked around to find out why employees don't participate in their company 401(k) plan. Some had good reasons, others did not.

Wondering how to diversify and rebalance your 401(k)? I'll will walk you through the process for first diversifying and then rebalancing your funds.