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Topic: Retirement plan

In the News (Wed 30 Dec 09)

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	Tax Information for Retirement Plans Community
		As of 2006 (2005 for Form 5500-EZ), the filing of a Form 5500-series return will replace the Schedule P as the triggering devise for purposes of §6501(g)(2).
		Some schools and school districts may be overlooking offering employees the opportunity to participate in these retirement plans.
		The Service has provided a variety of disaster relief measures for retirement plan sponsors.
	www.irs.gov /retirement (249 words)

	Fool.com: Retirement Plan Primer [Retirement Planning]
		In such plans, the employer credits the participant's account with a "pay credit" (such as 5% of compensation from his or her employer) and an "interest credit" (either a fixed rate or a variable rate that is linked to an index such as the one-year treasury bill rate).
		It is a retirement plan in which an employer permits an employee to defer receipt of part of his or her compensation by contributing that part to his or her account in the 401(k) plan.
		A 457 plan is a nonqualified retirement plan established for the benefit of state and local government employees or the employees of tax-exempt organizations.
	www.fool.com /Retirement/RetirementPlanPrimer.htm (5744 words)

	Retirement plan - Wikipedia, the free encyclopedia
		Retirement plans may be set up by employers, insurance companies, the government or other institutions such as employer associations or trade unions.
		In such plans, the employee is responsible, to one degree or another, for selecting the types of investments toward which the funds in the retirement plan are allocated.
		Most self-directed retirement plans are characterized by certain tax advantages, and some provide for a portion of the employee's contributions to be matched by the employer.
	en.wikipedia.org /wiki/Retirement_plan (1020 words)

	aba - Retirement Plan
		ERISA defines an "employee pension benefit plan" or "pension plan" as any plan, fund or program which provides retirement income to employees or results in a deferral of income by employees for periods extending to the termination of employment.
		The plan must prohibit the use or diversification of funds for purposes other than the exclusive benefit of employees or their beneficiaries.
		Plan sponsor, plan administrator, trustee, administrative committee member, participant, party-in-interest, fiduciary, highly compensated employee, member of controlled group or affiliated service organization, enrolled actuary, officer, owner, key employee, beneficiary, etc. Each role is important and has to comply with the rules that govern them.
	www.adeptmultimedia.com /aba/plan.htm (812 words)

	Retirement Plan Assets - Boston College (Site not responding. Last check: 2007-10-24)
		Retirement plans, when passed on to heirs, can incur as much as 70 percent in taxes, because this asset faces double taxation.
		Not only is the amount of the plan reduced by estate taxes, but the recipient must also pay income taxes on the plan.
		If you plan to make a legacy gift to Boston College, you may want to consider naming the University the beneficiary of your 401(k), pension, or other retirement plan and leaving other assets to your family.
	www.bc.edu /friends/invest/giftplanning/more/rpa (190 words)

	RETIREMENT PLAN
		The BUPERS Retirement Plan is a voluntary and contributory plan designed to provide you with a source of income when your career with BUPERS ends.
		The amount of your annuity under the BUPERS Retirement Plan is based on your highest consecutive three years of salary and years of service at the time of retirement.
		Health Plan coverage for you and your family will continue if you are eligible for an immediate BUPERS retirement benefit and you are at least age 55 with 15 consecutive years of medical plan participation.
	www.mwr.navy.mil /benefits/retplan.htm (3138 words)

	Retirement Plan Options (Site not responding. Last check: 2007-10-24)
		Employer contributions to a profit-sharing plan are discretionary.
		With a money purchase plan, the plan document specifies the employer contribution that is required each year.
		The cost of the plan is weighted to the older employees in the plan who are often the owners.
	www.ebsc.net /retirement_plans.htm (1230 words)

	Retirement Plan (Site not responding. Last check: 2007-10-24)
		Retirement plans like 401(k)s and IRAs are a great deal for everyone, but especially spendthrifts.
		About 30 percent of the plan holders that are able to, do so, borrowing on average 10 percent of their plan holdings.
		You'll also likely pay a small "processing fee" of anywhere from 1 percent to 5 percent of the loan to the plan provider, who'll be handling your paperwork.
	www.lbsfcu.org /investments_savings/retirementplan.htm (360 words)

	Summary Plan Description: Retirement
		To meet the definition of Domestic Partner, a plan member and his or her partner must be registered with the Retirement Office for at least one year prior to retirement, on the date of the member’s retirement and on the date of the member’s death.
		If you retire at age 55 or older with at least 30 years of service credit, 2.3% is used instead of 2.1% to calculate your Full Minimum Pension C. If you retire before age 60, there may be a reduction in the amount of your retirement allowance, as indicated on the table Early Retirement Factors.
		The Retirement Plan Office is required by law to withhold Federal and California State Income Taxes from your pension to the extent it is taxable, unless you elect in writing not to have taxes withheld.
	retirement.ladwp.com /your_retirement_allowance.htm (3611 words)

	Optional Retirement Program - Introduction
		The ORP is a "defined contribution" retirement plan, which means that the amount of any future benefit will be determined by the member's account balance.
		Funds accumulated in Tennessee's ORP may not be withdrawn in a lump sum except in the event of the member's death prior to retirement or in the event that a member who has separated from service has less than the deminimis ORP account balance set by state statute ($9,000 in 2005 or $10,000 in 2006).
		Tennessee's Optional Retirement Program will accept a rollover or a direct transfer of cash assets accumulated in another employer's qualified 401(a) retirement plan if the member is actively participating in Tennessee's ORP at the time the funds are transferred.
	www.treasury.state.tn.us /orp/orp-1.htm (1817 words)

	Frequently Asked Questions: Retirement Plan, Benefits, Human Resources, Northwestern University
		A Defined Contribution (DC) plan is a type of retirement plan where the employer and employee "contribute" to the plan a certain specified percentage of employee compensation each year.
		At retirement, the pension benefit payable to the employee is dependent upon the employee's account, investment earnings, and timing of the retirement or withdrawal.
		Upon retirement, the employee receives the dollar amount in his/her account in a lump sum, monthly payments, or through the employee's choice of whatever payment plans may be offered by the Plan.
	www.northwestern.edu /hr/benefits/plans/retirement/faq.html (3789 words)

	U.S. Office of Personnel Management (OPM), Federal Retirees - FERS Overview (Site not responding. Last check: 2007-10-24)
		It provides monthly payments if you are retired and have reached at least age 62, monthly benefits if you become disabled, monthly benefits for your eligible survivors, and a lump sum benefit upon your death.
		As in most retirement plans, a formula is used to compute the payments under the Basic Benefit Plan.
		The Thrift Savings Plan is a tax-deferred retirement savings and investment plan that offers the same type of savings and tax benefits that many private corporations offer their employees under 401 (k) plans.
	www.opm.gov /retire/html/retirement/fers.html (382 words)

	Overview of Retirement Plans (Site not responding. Last check: 2007-10-24)
		Retirement plan eligibility is determined by job class, the percentage of time worked, and length of UW appointment.
		Your specific plan membership is based on your original date of employment in eligible state service.
		If you were participating in an employer-matched, defined contribution, basic retirement plan with your former employer, you may be eligible to participate in the University of Washington Retirement Plan (UWRP) instead of the Public Employees Retirement System (PERS).
	www.washington.edu /admin/hr/benefits/retirement.all.plans.html (604 words)

	Retirement Planner - Financial Calculators from Dinkytown.net
		View your retirement savings balance and your withdrawals for each year until the end of your retirement.
		So if you retire at age 65, your last contribution happened when you were actually age 64.
		It is often lower than the return earned before retirement due to more conservative investment choices to help insure a steady flow of income.
	www.dinkytown.net /java/RetirementPlan.html (954 words)

	Types Of Retirement Plans: Plan Overviews & Summaries
		The conventional 401(k) plan allows employees to defer a percentage of their income on a pre-tax basis into the plan, up to a general limit of $13,000 (as indexed for 2004) and $14,000 (as indexed for 2005) or 100% of compensation, whichever is less.
		A "nonqualified," plan is simply a plan that is not subject to certain federal pension law provisions, such as nondiscrimination, eligibility, funding, and vesting.
		The main downside under a "nonqualified" plan is that an employer's business income tax deduction is also deferred; the business is not entitled to a deduction for the deferred compensation until the funds are available to the recipient, which could be years away.
	www.retirementplanners.com /rpa/plan/types_plan.html (4367 words)

	Retirement Plan Loans [Fool.com] September 19, 2003
		In this day and age, most plans do allow for loans to participants, but if you're thinking about tapping your retirement plan for a loan, make sure that you check with the benefits folks at your place of employment before spending the cash.
		With some very important exceptions, interest paid on a retirement plan loan must be "traced" in order to determine the use of the funds.
		One of the reasons that they borrow from their plans is that they believe that the interest on the loan would be deductible.
	www.fool.com /taxes/2003/taxes030919.htm (1484 words)

	Small Business Retirement Savings Advisor
		Set up plan by completing IRS Form 5305-SEP.
		Also requires special testing to ensure plan does not discriminate in favor of highly compensated employees.
		Per plan terms, employer may permit or require employee contribution.
	www.dol.gov /elaws/pwba/plans/final.asp (924 words)

	Retirement Plan Services
		Your employees rely on you to provide retirement plans and services that will meet their needs now and later in life.
		Through daily valued 401(k) plans, balance forward 401(k) plans, pension plans and profit sharing plans, we can prepare a retirement plan that is appropriate for your business today and flexible enough to meet your needs in the future.
		This includes an 800 number, a voice response system and online retirement plan access that allows employees to view account information, conduct transactions and utilize valuable educational tools and information.
	www.tdbanknorth.com /assetmgmt/business_solutions/retirement_plans.html (292 words)

	Retirement Plan - FAQ's
		You may also need to complete an enrollment application if you are designating your contributions to one of the three retirement plan fund options for the first time.
		There is a variety of literature as well as personal assistance, including on-campus workshops available from each of the plan options on the topic of retirement plan fund investment decisions.
		Plan participants may transfer any of their accumulations in the retirement plan among all approved plan options available to the full extent allowable by each plan fund option, at any time.
	www.pace.edu /hr/Benefit/retirement_plan_faq.htm (1421 words)

	Retirement Plan Questions & Answers (Site not responding. Last check: 2007-10-24)
		Each year our plan does have a cost and the funding status is how much if any WHOI needs to contribute to the plan to maintain satisfactory funding.
		The requirement to contribute to the plan is caused by a combination of the reduction in the value of the assets during the downturn in the market, the extraordinarily low interest rates used to calculate the liability, and the average age of the employee population.
		The Plan cannot remove the Special Early Retirement Benefit (SERB) feature as it applies to this $1,000 monthly benefit, as long as the employee qualifies for the SERB benefit when he or she leaves WHOI.
	www.whoi.edu /services/HR/retireme/retirement_plan_FAQs.htm (3129 words)

	Retirement Plus Equity Release Property Plan
		If you are 65 or over and looking for a secure and flexible plan, then our equity release product can help you.
		We think you will find the Property Plan will meet your needs both now and in the future - so we invite you to discover how you can benefit from equity release by exploring this website - or simply download our brochure to study the information at your leisure.
		The Retirement Plus Property Plan is a home reversion plan, a type of equity release product.
	www.retirement-plus.co.uk (184 words)

	DBCC Optional Retirement Plan
		Under this plan, annuity contracts providing retirement and death benefits may be purchased by the college on behalf of eligible employees.
		Upon completion of 6 years of creditable service, you are vested in the plan and will receive a lifetime monthly income from the plan when you are eligible to retire.
		Regardless of your length of service, you will receive a lifetime monthly annuity income at retirement that will be based on the amount of funds, the type of annuity which you have selected, and the investment earnings or losses of those funds.
	go.dbcc.edu /hr/hr/optionalretirementplan.html (646 words)

	Registered Retirement Savings Plan - Wikipedia, the free encyclopedia
		A Registered Retirement Savings Plan or RRSP is a Canadian investment account that provides some tax benefits for saving for retirement in Canada.
		A spousal RRSP is a means of splitting income in retirement: By dividing investment properties between both spouses each spouse will receive half the income, and thus the marginal tax rate will be lower than if one spouse earned all of the income.
		Before the end of the year the annuitant turns 69, the RRSP must be cashed out or transferred to a Registered Retirement Income Fund.
	en.wikipedia.org /wiki/Registered_Retirement_Savings_Plan (722 words)

	401k - 401k Retirement Plan
		For 2007, the maximum amounts you can contribute to your 401(k) plan, as set by the IRS is shown...
		We sincerely hope you were able to find what you were searching for with respect to 401k, 401k Retirement Plan and 401k Calculator.
		We are always refreshing our site with new 401k and 401k Retirement Plan blogs and articles each week.
	www.401ktry.com (903 words)

	Urban Legends Reference Pages: My Retirement Plan
		Also by 2005, what had begun as one writer's claim about his or her fanciful future plans had come to be presented as the actual remarks of an old woman living that life on a cruise ship.
		the account of the "elderly lady" has clearly evolved from earlier pieces about pie-in-the-sky retirement plans involving Holiday Inn, there is at least one woman of advanced years who has indeed made her home on a cruise ship.
		As to whether living out one's golden years aboard a cruise ship is a viable alternative to spending them in a retirement home, a geriatrician at Northwestern University says such a plan is a feasible and cost-effective alternative to assisted-living facilities.
	www.snopes.com /travel/trap/retire.asp (2135 words)

	Social Security Retirement Planner
		A secure, comfortable retirement is every worker's dream.
		Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances.
		Medicare close to your 65th birthday, even if you will not be retired by that time.
	www.ssa.gov /retire2 (241 words)

	AIG VALIC: Adventist Retirement Plan
		Contributions to your retirement plan are made before income tax withholding is calculated – which reduces your current income tax liability.
		Through planning, advice, choice and education, AIG VALIC is committed to helping our clients reach their financial goals.
		Your part, sound financial stewardship and proactive planning, can enable you to transition into retirement with dignity, and the capacity to serve in new ways.
	www.aigvalic.com /prilabel2003/adventist.nsf/contents/home (434 words)

	PERS Retirement Plan
		PERS is a defined benefit plan where retirement benefit is based on a formula and guaranteed by the State.
		Complete a Request for Retirement Estimate Form and return it to the Division of Pensions and Benefits, or telephone 609-292-7524
		Six months prior to retirement, attend a retirement seminar.
	uhr.rutgers.edu /ben/PERSRetirementPlan.htm (320 words)

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