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Best Stock Market Simulation Games
A stock market simulation game is a great way to practice your investment skills before actually investing any "real" money in the stock market.
Simulation games are usually played on the internet, where people can experience the thrill of...
Getting Acquainted With The Stock Market Trading System
If you are a beginner in the stock market, you should be
familiar with how the system works. It is important that you
know what you are getting into.
The trading system, in definition, is the choice you would make
on what method to use in...
Halliburton Under Fire for Operations in Iran
The shareholders of Halliburton are trying to stop state-sponsored terrorism, using the same economic leverage that was effective against South African racism in the 1970's. Back then, shareholders used corporate resolutions to stop companies from...
New Year's Resolutions For Stock Market Investors
It is at this time each year when we make New Year's
resolutions, to help reduce the gap between where we are today
and where we want to be in the future. Having been able to speak
to thousands of investors over the last five years, I...
Three Reasons to Start Derivatives Trading
If you are looking for a trading option outside of traditional stocks and bonds, derivatives trading may be a good option. Derivatives pay off over a period of time based on the performance of assets, interest rates, exchange rates, or indices. The...
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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The fund accumulates tax-free until it is withdrawn.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any growth in the fund is free of tax until withdrawn.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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| Stocks-Mutual-Funds. Personal-Finance · Currency-Trading ... By Sachin A | On June 1, 2006 | In Stocks-Mutual-Funds | Rated. Full Article · Print Article ... |
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