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Guides & Articles on 401k
401(k) Plans Basics
Use 401(k) plans basics to retain employees and help them grow into retirement
The way workers save for retirement changed with the introduction of 401(k) retirement plans, which shifted the focus from traditional pension fund retirement plans. The Internal Revenue Service puts limits on the amount an employee can deposit in the plan. While this amount is subject to change by law each year, in 2008, for example, the limit was $15,500. This figure does not...
401(k) Plans Industry Overview
Get a 401(k) plans industry overview to help structure your company's retirement plan
The 401k plan grew from a little known tax code loophole--which is where the 401k name came from--to the most common way workers invest for their retirement. This industry possesses trillions of dollars in allocated 401k retirement plan contributions. A company that understands the overall ramifications of the 401k plan and its industry, on its employees, will find itself ahead...
401(k) Plans Key Terms
Contribute to your employees' retirement by learning about 401(k) plans
Learning about 401(k) plans key terms is a good place to start if you're considering starting up a retirement fund for your employees. From automatic enrollment to matching, after-tax and pre-tax contributions, 401(k) plans have several terms you may want to know before beginning one of these programs. Learning 401(k) plans key terms will also benefit your employees, who will...
401(k) Plans for Small Business
These defined contribution retirement plans aren't just for big corporations
One of the most powerful perks you can offer your employees is a pension plan, and one of the most popular types is the 401(k). Named after an IRS code section, the 401(k) allows your employees to fund their own retirement through pre-tax contributions. If you can afford it, you can provide matching contributions. Both you and your employees get a tax break for contributing. A...
401(k) Rollover Plans
Help your employees with a 401(k) rollover
If you have an employee that is leaving your company, one of the decisions they will have to make, if they have a 401(k), is whether they want to do a 401(k) rollover or not. What the employee will ultimately decide to do with their 401(k) depends on their situation at the time they are leaving their employment.As an employer, you will need to give them 401(k) rollover information...
401(k) Software
Boost the overall quality of your company with 401(k) software programs
401(k) management software programs are making it easier for small businesses owners to supply employees with 401(k) solutions. In today's market, conscientious employees are taking control of their retirement dollars. No longer relying completely on company-wide pension plans, employees want to know where their retirement dollars go and are getting creative with their...
401k Rollover Key Terms
Know 401(k) rollover key terms to make sound decisions about your retirement investments
401(k) rollover consultation is a cost-effective way to expand the services you provide to employees that will boost their morale but not stretch your budget. Provide advice on what to do with their 401(k) funds. Make sure the advice comes from professionals and doesn’t require any financial expertise to understand. Rather than putting this advice into glossy pamphlets,...
401k Rollover News and Trends
Keep up with 401k rollover news and trends to improve finance and investment choices
Staying up to date with 401k rollover news and trends can help you advise employees preparing to move their 401k funds to a different individual retirement account or help guide your personal retirement account decisions. News from reliable financial sources can keep you apprised of new tax laws and financial benefits that can affect your rollover plans.Seek 401k rollover...
401k Rollover for Beginners
Determine how to make a 401k rollover by discovering the terms, conditions and benefits
Whether you’re preparing to leave your current company or are advising departing employees from your company, familiarizing yourself with 401k rollover basics is a must. Knowing the advantages of moving your retirement savings into another account or leaving funds in a current account can affect your financial future. Seek information on 401k rollover for beginners to...
403(b) Plan Key Terms
Know how to talk the talk with these special 403(b) plan key terms
The 403(b) plan, sometimes called a tax-deferred annuity (TDA) or a tax-sheltered annuity (TSA), is very similar to the better-known 401(k) retirement investment plan. It is designed to allow certain employees of public schools, tax-exempt organizations and ministers to save for retirement through tax-deferred salary contributions. It's a good idea to familiarize yourself with...
403(b) Plans Education and Training
Learn all about 403b retirement plans
A 403b retirement plan is for employees of public schools, ministers and tax-exempt organizations. Eligible employees can set up and maintain an individual 403(b) plan. There are three basic types of 403(b) retirement plans, and employers determine which financial institution maintains the plan. Before you decide to set up one of these plans, you'll want to learn some...
403(b) Plans
403(b) retirement plans are easy to set up and administer.
403(b) plans are retirement plans for people employed by not for profit organizations. Offering a retirement plan is a good way to encourage employees to stay with your company and increase job satisfaction. 403 retirement plans are relatively simple to set up, and, once established, you can arrange for the financial services company to manage them. The process of establishing a...
Defined-Benefit Pension Plans for Sole Proprietors
A defined benefit plan helps you set aside lots of money quickly
Defined-benefit pension plans are best suited to high-income entrepreneurs over the age of 45 who are able to sock away lots of money fast — up to $175,000 annually. With such a plan, you set a target level of annual benefits you want to receive at a target age and then make contributions based on actuarial projections. The downside, however, is that these plans are more...
Retirement Plans Education and Training
Increase your knowledge and enhance your resume with retirement plans education and training
Whether you are in charge of administering a group or individual 401k retirement plan or small business retirement plan, staying up-to-date with retirement information and strategies is a must for any successful business professional. Instill confidence in your clients and employees by completing educational or training programs in-person or online.It is crucial that you take the...
Retirement Plans Key Terms
Learn retirement plans key terms to make informed decisions about your pension portfolio
Most of us depend on professional help when it comes to choosing retirement plans. The subject is steeped in financial lingo that is not part of our everyday vocabulary. This lingo may be hard to bypass since the concepts of retirement planning require some familiarity with key financial terms. If you're shopping around for a retirement plan and aren't sure where to start, your...
Retirement Plans News and Trends
Stay abreast of retirement plans news and trends
Retirement plan services change and evolve as the population ages. You have to keep up with the events of retirement planning companies to remain competitive. Make sure you’re getting the most up to date information, including technological advancements in retirement planning, such as Internet marketing and the growing popularity of long-term insurance plans that cover...
