401 K
Sort by:
- In Defense of the 401(k) Retirement PlanThe 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?"
- First Person: IRA or 401(k)?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.
- My 2012 Financial To-Do'sIt 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.
- First Person: Retirement Planning Without a 401(k)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.
- Year-End Tax Tip for Small Businesses: Open an Individual 401(k)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.
- First Person: Planning for Less Choices in My 401(k)With companies now narrowing the choices that will be available to 410(k) participants, I am preparing for the switch.
- The Modern Economy May Require New Retirement DirectionsWith 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.
401(k) Plans Automatic Enrollment ResultsA 401(k) plan designed to boost participation should include an auto-enrollment feature for all employees. A 401(k) plan aiming to increase savings may require other strategies to achieve this goal.- First Person: All of My 401(k) Earnings Went Out the WindowThe American Dream is still alive and kicking! Excuse me while I stop laughing for a minute.
- Using a 401k to Pay Off Marital LiabilitiesWithdrawing 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.
- Simple 401(k) Asset Allocation OptionsFor 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.
- Beware of the Free 401(k) PlanMany 401(k) providers claim to offer a 'free' 401(k) plan, but what they really mean is all the costs are borne by the participants and not the plan sponsor.
- How to Offer a Low Cost 401(k) PlanOne of the biggest factors to ensuring your employees can retire with a sufficient nest egg is to offer a low cost retirement plan.
10 Reasons I Started Investing Early in a 401(k) PlanIncome tax deferral, ability to choose investments, loans for alternate uses, and employer matching are just a few of the reasons why I started investing in my 401(k) retirement plan as a new employee.- A True Open Architecture 401(k) PlatformMost 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.
- Your 401(k) Plan If Your Employer Goes BankruptIf 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.
- Some Good News About 401(k)sThere is some good news about 401(k)s, but most Americans are not saving enough for retirement.
- Should I Borrow Money from My 401(k)?One in seven 401(k) owners borrowed money from their plan in 2010. Probably not a good move!
- First Person: What We Learned About 401(k) Hardship WithdrawalsWhen 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.
- What Are the Tax Consequences of Taking a Loan Against Your 401(k)?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.
- Capital Raising Strategy - Use Your Retirement FundRetirement fund could be a choice to consider when comes to capital raising
- Know Your 401(k) and Retire Without FearLearning 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.
- 401K Plan: What Does "Free" Really Cost?so it's essential to have a clear understanding of what you are truly paying for with your retirement dollars.
- What is an Open Architecture 401k?advisors to fully customize their fund lineups based on the needs of their participants.
- Borrowing or Withdrawing Money from Your 401(k) PlanEmployer-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.
How to Save for Retirement in Your TwentiesWhen saving money for retirement in your twenties, you should invest aggressively because you have plenty of time to recover from losses. It is critical that you put money into 401(k) and Roth IRA retirement accounts as a young saver.- 5 Mistakes to Avoid Regarding Your 401(k) Retirement PlanIf you are not familiar with how 401(k) retirement plans work, you could find yourself employed longer than you had anticipated.
- 10 Facts You Need to Know About 401(k) PlansWouldn'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.
Should Your Business Offer Employees a Traditional 401(k) Retirement Plan?If your small or mid-sized business is considering offering employees a traditional 401(k) retirement plan, take these factors into account before making a decision.- 401(k) Must Do's and Common MistakesI 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.
- Three Ways to Optimize Your 401(k) OnlineThe 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.
Personal Finance Tips that Will Save Your LifeTips to help you with investing for personal finance reasons. Don't procrastinate do it while you are young.- 401(k) Fees and Expenses: Why Does it Feel like a Secret?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.
Three Big Financial Impacts to Your Retirement PlanTraditional IRAs, Roth IRAs, and employer sponsored plans. First, consider free money with employer matching. Next, determine how tax exempt and tax deferred affect your retirement. Finally, factor in how fees and expenses impact your account.- Use the Temporary Payroll Tax Reduction to Raise Your Retirement SavingsCongress 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.
- First Person: What Happens If I Over-Contribute to My 401(k)?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.
Traditional VS. Roth 401(k)There are many decisions to be made when deciding where to invest your funds for retirement. Research and compare the options between traditional and a Roth 401(k). This will help you maximize your options.- Why Doesn't Everyone Participate in a 401(k) Plan? Part IIIn 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.
- Why Doesn't Everyone Participate in a 401(k) Plan? Part II asked around to find out why employees don't participate in their company 401(k) plan. Some had good reasons, others did not.
- Diversifying and Rebalancing your 401(k)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.





