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Exchange Traded Funds Primer
Exchange Traded Funds (ETFs) are a group of passive index funds that trade on an exchange like an individual stock. At the time of writing there are 162 ETFs with $220 billion in assets under management trading on U.S. exchanges. ETFs hold a basket...
Investing online - Day traders and others
With the inception of the Internet, many people experienced and inexperienced in stock trading have begun signing up with online trading companies and buying and trading their own stocks. Investing online in this manner is growing in popularity,...
Lobster Trapping for Investment Ideas
Recently, my family and I took a trip to Maine to visit relatives. During our stay, we toured the rocky shore lines and took in the beautiful architecture of the old towns.
One sunny morning, three generations of Wardlaws boarded a lobster...
The Difference Between Investing and Trading
Investing and Trading are not the same thing. The returns you seek, the length of time it takes to achieve those returns, the amount of risk one is prepared to take, and the commitment one can make to monitor the investments dictate the strategy...
Wealthy people became rich thanks to their assets
What is an asset ? An asset is simply something that brings money into your pocket. Liability is the opposite. It is something that takes money out of your pocket. Personal loan is a liability, your credit cards debt are liabilities. Your car,...
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Understanding 401k Plans
What is a 401(k) plan?
The 401(k) retirement plan is funded by employee contribution
and a matching employer contribution. The major feature of the
plan is that the contributions are taken from pre-taxed salary.
The fund accumulates tax-free until it is withdrawn. Most
businesses and tax-exempt organizations can create these
retirement plans.
The 401(k) takes its name from the IRC (Internal Revenue Code)
of 1978. The operation of the 401(k) is administered by the EBSA
(Employee Benefits Security Administration) of the Department of
Labor.
The 401(k) plan has a lot of advantages. First and foremost is
that the employee can contribute pre-tax money that reduces the
tax paid in each paycheck. Also, the company contribution and
any growth in the fund is free of tax until withdrawn.
The compounding of the fund during a 20 to 30 year period is
quite amazing. The employee has a lot of control in the
direction of the future contributions. When the company matches
your contributions, it adds something extra on top of your own
money. All money in the plan can be moved from one company to
another unlike pension.
The 401(k) plan is protected by pension laws since it is a
personal investment plan. It includes protection from
garnishment by creditors but not from domestic cases that
include child support.
There are some disadvantages in the 401(k) plan, it is hard to
get your 401(k) contributions before age 60 (59 1/2 to
be
exact). The 401(k) is not insured by the PBGC (Pension Benefit
Guaranty Corp). Also, the company contributions do not kick in
until a certain number of years of service have been given. The
rules state that company matching contributions must either be a
3 year 'cliff' plan (100 percent after 3 years) or a 6-year
'graded' plan.
Employees participating in a 401(k) plan have many options for
investment. In most cases a listing of mutual funds. The mutual
funds usually include money market fund, treasuries, stock funds
and bond funds. Some plans may include investing in company
stock and US Savings Bonds. The employee gets to choose how the
savings is invested. The employee can also choose at any time to
stop contributions.
Financial advisers usually say that the average 401(k)
contributor is non-aggressive in terms of their investment
options. Stocks have historically outperformed other types of
investment, since the 401(k) is a long term investment it should
be able to minimize the stock fluctuations.
About the author:
Jay is the web owner of http://www.retirement-in.com Retirement Planning, a
website that provides information and resources about
retirement, from retirement planning and calculation, to state
retirement systems and retirement homes. You can visit his
website at: http://www.retirement-in.com/Alabama/ Alabama
Retirement
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| Copyright 2005 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Comments and questions. |
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| 2 answers - what are the difference between individual stocks , mutual funds and ETFs? which one is better for investment ? |
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