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How to Invest Your Money
Think carefully on how to invest your money because if you make wrong decisions it could cost you dearly. There are many ways in which to invest your money and as such seeking the advice of a professional would be a very wise move. The information...
Investing In The Stock Market – 9 Power Packed Tips
1. Do not spread your money too thin.
My friend has a little over $200,000 invested in the stock market through 27 different Mutual funds. In my opinion, 27 Mutual funds is 27 too many collecting load fees, management fees, commission fees,...
Socially Responsible Investing
Socially responsible investing is all the rage these days. By
some estimates, more than $2 trillion, or 12% of professional
management assets, target socially responsible companies.
Shareholders have invested more than $150 billion in...
Staying Safe In A High Risk Market
Did you know that 80% of the price movement in a stock or a mutual fund is determined by the overall market conditions and by the company's sector? This is the reason we use the top-down approach in managing your money. We look at the market...
Why Your Mutual Fund Doesn't Return as Much as You Think
(ARA) - As tax time nears, many mutual fund investors are starting to wince. While most mutual funds' returns were down last year, their tax bill remains high.
After years under-performing the S&P 500, the average US stock mutual ...
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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The fund accumulates tax-free until it is withdrawn.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any growth in the fund is free of tax until withdrawn.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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