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Topic: 401(k)

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	Roth 401(k) Web Site
		The Roth 401(k) offers advantages to workers who are currently in a low tax bracket but who expect to be in a higher tax bracket after retiring.
		New for 2006 - The Roth 401(k) and Roth 403(b)
		This is the text of the proposed IRS regulations relating to the taxation of distributions from Roth 401(k) and Roth 403(b) accounts, REG-146459-05, issued 1/26/06.
	www.roth401k.com (1485 words)

	Invest FAQ: Retirement Plans: 401(k)
		A 401(k) plan is a retirement savings plan that is funded by employee contributions and (often) matching contributions from the employer.
		Well, when the 401(k) rules were being formulated, the government was afraid that executives might make the 401(k) plan at their company very advantageous to themselves, but without allowing the rank-and-file employees those same benefits.
		Participants who are vested in 401(k) plans can begin to access their savings without withdrawal penalties at various ages, depending on the plan and on their own circumstances.
	www.invest-faq.com /articles/ret-plan-401k.html (3083 words)

	401(k) Plans For Small Businesses
		Beginning in 2006, 401(k) plans may be established or amended to permit employees to designate some or all of their contributions (employee deferrals) as Roth contributions.
		However, the safe harbor 401(k) is not subject to many of the complex tax rules that are associated with a traditional 401(k) plan, including annual nondiscrimination testing.
		Traditional 401(k) plans are subject to annual testing to assure that the amount of contributions made on behalf of rank-and-file employees is proportional to contributions made on behalf of owners and managers.
	www.dol.gov /ebsa/publications/401kplans.html (4456 words)

	FCIC: 401(k) Plans
		A 401(k) plan is generally funded with your before-tax salary contributions and, oftentimes, matching contributions from your employer.
		Your own contributions to your 401(k) plan are automatically yours to keep, but you may have to be "vested" before you are entitled to your employer’s matching contributions.
		If you can leave money in a 401(k) fund for 10 to15 years or more, you may be able to ride out the ups and downs of the stock in the mutual fund.
	www.pueblo.gsa.gov /cic_text/money/401k/401k.htm (3755 words)

	Tax Topics - Topic 424 401(k) Plans
		A section 401(k) plan is a type of tax-qualified deferred compensation plan in which an employee can elect to have the employer contribute a portion of his or her cash wages to the plan on a pre–tax basis.
		These deferred wages (commonly referred to as elective deferrals) are not subject to income tax withholding at the time of deferral, and they are not reflected on your Form 1040 (PDF) since they were not included in the taxable wages on your Form W-2 (PDF).
		Generally, hardship distributions from a 401(k) plan are limited to the amount of the employee's elective deferrals only, and do not include any income earned on the deferred amounts.
	www.irs.gov /taxtopics/tc424.html (270 words)

	Understanding the Roth 401(k) (Retirement: Personal Finance) \| SmartMoney.com
		In addition, Roth 401(k) accounts are subject to the contribution limits of regular 401(k)s — $15,500 for 2007, or $20,500 for those 50 or older by the end of the year — allowing individuals to stock away thousands of dollars more in tax-free retirement income than they would through a Roth IRA.
		Workers who are offered this option face a difficult choice: Contribute to a Roth 401(k) and suffer a cut in take-home pay (since contributions are made with after-tax dollars), or stick with a traditional 401(k) and hope that in retirement, their tax rate will be lower than it is now.
		Early Roth 401(k) withdrawal rules are subject to the same requirements as traditional 401(k)s, according to the IRS.
	www.smartmoney.com /retirement/401k/index.cfm?story=which401k050609 (1247 words)

	IRC 401(k) Plans
		IRC 401(k) plans are the most popular type of retirement plan used today.
		These guides enable you to better understand the 401(k) laws and give other detailed information to assist the plan sponsors and participants in what they need to know.
		Beginning in 2006, a 401(k) or 403(b) plan (but not a SARSEP or SIMPLE IRA plan) may permit an employee to irrevocably designate some or all of his or her elective contributions under the plan as designated Roth contributions.
	www.irs.gov /retirement/article/0,,id=120298,00.html (216 words)

	401khelpcenter.com - 401(k) Plan Sponsors, Small Business, Employee Retirement Plans
		In fact, a significant part of the QDIA answer for any particular plan should come from the fit that the default approach has with the plan's overall approach for helping participants to optimize portfolios for meeting their individual objectives.
		Many plan sponsors want to know how their 401k plan stacks up to the typical or average plan.
		To help you answer this question, we have identified the common features offered by most 401k plans and compiled statistics from a variety of sources that will allow you to benchmark your plan.
	www.401khelpcenter.com (898 words)

	Is Your 401(k) Foolish? [Fool.com: 401(k)]
		For many, a properly used 401(k) plan is an integral part of any completely Foolish retirement.
		But just because your employer offers a 401(k) or other deferred compensation plan (like a 403(b)), that doesn't mean there's anybody in your office that will tell you what to do with it.
		But, hey, we realize that there may be some individual questions that you may have that aren't covered in this concise little package.
	www.fool.com /money/401k/401k.htm (201 words)

	Quicken.com - Quick Reference Guide to 401 k
		In a 401(k) plan, you authorize pre-tax payroll deductions to be invested in mutual funds or other investment options offered by your company's plan.
		Depending on your company's 401(k) rules, you may be able to contribute to a 401(k) in any year you earn a salary and are a regular employee.
		Assets in your 401(k) account can be withdrawn without penalty after age 59?, and you must begin to withdraw money from your account no later than April 1 of the year following the year in which you turn age 70?.
	www.quicken.com /cms/viewers/article/retirement/18339 (1642 words)

	Bloomberg.com: Calculators
		A 401(k) can be one of your best tools for creating a secure retirement.
		This is the percentage of your annual salary you contribute to your 401(k) plan each year.
		Employees classified as "Highly Compensated" may be subject to contribution limits based on their employer's overall 401(k) participation.
	www.bloomberg.com /invest/calculators/401k.html (1094 words)

	A Look At 401(k) Plan Fees
		Employees who participate in 401(k) plans assume responsibility for their retirement income by contributing part of their salary and, in many instances, by directing their own investments.
		Today a 401(k) plan also may offer a host of additional services, such as telephone voice response systems, access to a customer service representative, educational seminars, retirement planning software, investment advice, electronic access to plan information, daily valuation and on-line transactions.
		While there is no easy way to calculate the fees and expenses paid by your 401(k) plan due to the number of variables involved, you can begin by asking yourself questions and, if you cannot find the answers, by asking your plan administrator.
	www.dol.gov /ebsa/publications/401k_employee.html (3586 words)

	Invest FAQ: Retirement Plans: 401(k)
		A 401(k) plan is a retirement savings plan that is funded by employee contributions and (often) matching contributions from the employer.
		Well, when the 401(k) rules were being formulated, the government was afraid that executives might make the 401(k) plan at their company very advantageous to themselves, but without allowing the rank-and-file employees those same benefits.
		Participants who are vested in 401(k) plans can begin to access their savings without withdrawal penalties at various ages, depending on the plan and on their own circumstances.
	invest-faq.com /articles/ret-plan-401k.html (3083 words)

	Benefits - 401(k)
		Beginning in 2002, 401(k) deferrals do not have to be coordinated with deferrals to a 457 plan.
		The maximum combined deferral amount in 2004 for an eligible participant who is contributing to both a 401(k) and a 403(b) plan is $13,000.
		Completion of a NC 401(k) Plan withdrawal form is required for all withdrawals or rollovers out of the Plan.
	www7.acs.ncsu.edu /benefits/retire/401k.asp (837 words)

	Howstuffworks "How 401(k) Plans Work"
		The 401(k) is one of the most popular retirement plans around.
		You'll find out why the 401(k) plan is one of the best ways to save for retirement, why your employer offers it, and how you can make the most of your account.
		401(k) plans are part of a family of retirement plans known as defined contribution plans.
	money.howstuffworks.com /401k.htm (519 words)

	Save Now, Retire Rich - Kiplinger.com
		A 401(k) is a savings plan that allows you to automatically invest part of your paycheck in a portfolio of mutual funds and company stock.
		Let's say our 25-year-old participates in her 401(k) for five years, then at age 30 decides to start a family and stay home with the kids.
		If part of your 401(k) is invested in your company's stock, it's also important to make sure that portion of your account isn't overweighted.
	www.kiplinger.com /columns/starting/archive/2004/st1216.htm (1360 words)

	Employee Benefits - Supplemental 401(k) Plan
		You may elect to withdraw funds from the 401(k) Plan as a single lump sum payment or as a series of scheduled payments or as a traditional lifetime pension (an annuity).
		Under the terms of a Qualified Domestic Relations Order (QDRO), the 401(k) Plan may be required to transfer all or part of your account balance to your former spouse as part of a marital property settlement.
		Copies of the 401(k) Plan's procedures and model documents pertaining to QDROs are available to you and your (former) spouse or children from Fidelity Investments by calling (877) MIT-SAVE (648-7283).
	hrweb.mit.edu /benefits/retirement/401k/index.html (1058 words)

	The Automatic 401(k): A Simple Way to Strengthen Retirement Savings
		In a nutshell, the automatic 401(k) consists of changing the default option at each phase of the 401(k) savings cycle to make sound saving and investment decisions the norm, even when the worker never gets around to making a choice in the first place.
		At the same time, however, workers would remain free to override the default options—to choose whether or not to save, and to control how their savings are invested—but those who fail to exercise the initiative would not be left behind.
		The steps involved in building an automatic 401(k) are not complicated, and the benefits could be substantial; indeed, a growing body of empirical evidence suggests that the automatic 401(k) may be the most promising approach to bolstering retirement security for millions of American families.
	www.brookings.edu /views/papers/20050228_401k.htm (585 words)

	The 401(k) turns 20 - Jan. 4, 2001
		Today, your 401(k) is likely to become the largest asset you own, with the possible exception of your home.
		At the time it was common for employees to be given the choice to defer half or all of their non-salaried compensation, often bonuses, into a company's cash-deferred profit-sharing plan.
		And the 401(k) structure still is evolving to match demand for greater flexibility.
	money.cnn.com /2001/01/04/strategies/q_retire_401k (1241 words)

	7 hot 401(k) trends - MSN Money (Site not responding. Last check: )
		Many of the hot trends are designed to fix some of the most common 401(k) blunders, such as not signing up, taking too much or too little risk and cashing out early.
		The last -- the so-called Roth 401(k) -- is an intriguing new twist that may be coming to a 401(k) plan near you … someday.
		Many 401(k) investors think (wrongly) that their own companies' shares are safer than a diversified mutual fund.
	articles.moneycentral.msn.com /RetirementandWills/InvestForRetirement/7Hot401kTrends.aspx (1402 words)

	NASD - Investor Information - Investor Alert - Putting too Much Stock in Your Company - A 401(k) Problem
		NASD is issuing this Alert because it is concerned that employees who have the opportunity to invest in company stock may be concentrating too much of their retirement savings in a single security.
		If you concentrate much more than that in company stock, especially in a 401(k) plan where there are trading restrictions, you may expose yourself to more company risk that it is wise to incur.
		If you are one of the 8 million participants in 401(k) plans who have more than 20% of assets in company stock, and this investment also constitutes more than 20% of your overall investment portfolio, you may want to consider re-balancing your investments to increase diversification.
	www.nasd.com /InvestorInformation/InvestorAlerts/RetirementAccounts/PuttingTooMuchStockinYourCompany-A401(k)Problem/index.htm (1346 words)

	401(k) Quick Check: Investing - MSN Money
		The 401(k) Quick Check is a fast and easy tool to help you decide how to split your investment dollars among the choices available in your 401(k) plan.
		All you need are the names or ticker symbols for each investment option you want to research in your plan.
		Get fast answers in our 401(k) Q&A, or read our 401(k) articles.
	moneycentral.msn.com /investor/partsub/funds/401k/start.asp (90 words)

	#1 Loans USA-401(k)
		Your 401(k) is simply an account; you chose the investments within the account.
		Many 401(k) plans have tools, such as online calculators and worksheets, which help you in determining how much risk you should accept.
		An individual, or solo, 401(k) is available to businesses that only have the owner and spouse as employees.
	www.1loansusa.com /investments/401k.html (639 words)

	HRcertification.com \| 401(k) administration - 401(k) education - 401(k) compliance
		401(k) plan implementation, communication, and administration are some of the hardest and most complex tasks undertaken by organizations.
		Our 401(k) Plan Training & Certification Program is loaded with information on plan design, administrative options, and compliance requirements - all written in non-legal terms and supported with numerous tips, examples, and interactive questions - that help you to understand the many and complex 401(k) rules.
		Our 401(k) Plan Training & Certification Program is ideal for human resource professionals, HR department heads, and Third Party Administrators who handle the day-to-day issues and administration of 401(k) Plans.
	www.hrcertification.com /401k.asp (470 words)

	401(k) Savings Calculator - Financial Calculators from Dinkytown.net
		401(k) Savings Calculator-->A 401(k) can be one of your best tools for creating a secure retirement.
		The annual rate of return for your 401(k) account.
		We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
	www.dinkytown.net /java/Retire401k.html (1115 words)

	401khelpcenter.com - Small Business, Solo 401(k), Individual(k), Solo(k), Uni(k) and One-person 401k, SEP
		401k Plans for Small Businesses - Summary: The IRS has made available 401k information to help small business owners (who sponsor a 401k plan) better understand their responsibilities in establishing and operating their plans.
		Manage and run your 401(k) plan better with the tools, information, checklists and insight provided by some of the nations top 401(k) and ERISA experts.
		If you are in charge of running your companies 401(k) plan or work with plan fiduciaries, this is a must have resource.
	www.401khelpcenter.com /small_business_index.html (712 words)

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