Retirement

  1. What are the main differences between a Roth 401(k) and a 401(k)?

    Learn more about financial planning, investment options and decision making between traditional 401(k) and Roth 401(k) accounts, ...
  2. Can I roll over a 403b plan?

    Learn whether distributions from a 403(b) plan can be rolled over, where they can be rolled over to and what the income tax ...
  3. What are the Roth 401(k) withdrawal rules?

    Understand the requirements for tax-free withdrawal from a Roth 401(k) account, how early withdrawals are taxed and options ...
  4. What are qualified retirement plan types?

    Understand the different types of qualified retirement plans and what they mean in terms of employee and employer contribution ...
  5. How do you withdraw money from your 401(k)?

    Deciding to take a withdraw from your 401k is not a decision that should be made lightly. However, for those who needs funds, ...
  6. How do I set up a 408(k) plan in my business?

    Understand the necessary steps for setting up a 408(k) retirement plan, and get an overview of the SEP and SIMPLE plan options ...
  7. Is a 408 (k) the same as a Simplified Employee Pension (SEP)?

    Find out the differences and the similarities between a 408(k) retirement plan and a simplified employee pension (SEP), and ...
  8. Where is the Bureau of Labor Statistics located?

    Visit offices and libraries staffed by economists with the Bureau of Labor Statistics to obtain help reading data during ...
  9. What is a 401(k) rollover?

    Find out what a 401(k) rollover is, when you might want to roll over a 401(k) and whether a direct or indirect rollover is ...
  10. Is it possible to obtain a loan from a qualified retirement plan?

    Read how loans are available for qualified retirement plans; most loans allow for $50,000 or 50% of the current vested value, ...
  11. What is the difference between a 408 (k) plan and a 401 (k) plan?

    Learn key differences between 401(k) and 408(k) plans. Employers provide different options to help employees save for retirement, ...
  12. How does a qualified retirement plan early distribution work?

    Weigh the pros and cons of taking an early distribution from a retirement account. Most early distributions are subject to ...
  13. Are qualified pension plans taxable?

    The taxable portion of your pension or annuity payments is usually subject to federal income tax withholding, according to ...
  14. How I Budget With A Variable Income

    It seems like everybody's goal lately is to leave their job and become a freelancer.
  15. 6 Retirement Planning Tips For Late Starters

    Saving for retirement early is one of the most important things to ensure financial success, and yet many people are unable ...
  16. Set It And Forget It Doesn’t Work For Retirement

    If you're like most Americans, retirement is a goal that you strive for with each paycheck you earn.
  17. 5 Ways Americans Sabotage Their Savings

    While the latest news proclaims that the economy is rebounding, the truth is that most Americans are wasting their money. ...
  18. Plan Your Retirement Abroad

    A real-world, step-by-step guide to making that dream of retiring abroad a reality – from visas to housing to healthcare ...
  19. What Does Retirement Abroad Cost?

    There's no set amount. Generally, smaller places and less developed countries offer the best bargains, but factor in your ...
  20. What are my main rights as a 401(k) plan participant?

    Learn how under ERISA, 401(k) plan participants are guaranteed several important rights, including protections of their plan ...
  21. If I contribute to a 401(k) plan, can I still contribute to an individual retirement ...

    Participating in your employer's 401K plan can reduce or prohibit IRA contributions for your family depending on your spouse's ...
  22. Can I Work While Collecting Social Security?

    For those wondering if their benefits will be reduced while working and collecting Social Security - Rob Kron lays out the ...
  23. What's the difference between a 401(k) and a Roth IRA?

    Discover that a 401(k) and a Roth IRA differ primarily on tax treatment, investment options, employer involvement, and limitations ...
  24. What information does my employer have to give me regarding my 401(k) plan?

    Obtain 401(k) plan information like a summary plan description, summary annual report and annual statement of account information ...
  25. What happens to my 401(k) plan if I switch jobs?

    Roll over your old 401(k) plan to your new 401(k) plan or an IRA, cash it out, or leave it alone. Which option is right for ...
  26. Can I roll over the 401(k) money from my old job into my new company's plan?

    Roll over your old 401(k) to your new employer's 401(k) or other retirement plan. Check with your new plan to ensure eligibility. ...
  27. Does my employer's matching contribution count towards the maximum I can contribute ...

    Maximize 401(k) contributions on your own without fear; employer contributions are separate and do not hinder you contributing ...
  28. What is the difference between a 401(k) plan and a 403(b) plan?

    Administered by for-profit, private companies, 401(k) plans are more common than the nonprofit or government-sponsored 4 ...
  29. Why were 401(k) plans created?

    Discover why consultant Ted Benna created 401(k) plans after noticing the Revenue Act of 1978 could be used to set up simple, ...
  30. Is there a minimum I have to contribute to my 401(k) plan?

    Deciding how much to put into a 401(k) account can be tricky. There are guidelines to ensure you are investing what you need ...
  31. What's the difference between a 401(k) and a pension plan?

    Discern the differences between 401(k) plans, in which employees assume the market risk, and pension plans, in which the ...
  32. Do I need an employer to set up a 401(k) plan?

    Investing in your retirement is not just a good idea, it's a must. Even individuals can invest in their own personal 401(k) ...
  33. What is the difference between a 401(k) plan and a 457 plan?

    Discover how 401(k) plans are privately offered employee retirement plans, while 457 plans are typically available to public ...
  34. What does it mean if my 401(k) plan has been frozen?

    Learn why 401(k) plans often are "frozen" during a merger and what it means to you. Frozen accounts cannot process new contributions ...
  35. What is the penalty for taking money out of my 401(k) before I'm 59 years old?

    Learn why withdrawing from a 401(k) plan before age 59 carries an extra 10 percent tax penalty. Only a few circumstances ...
  36. Will I have to pay taxes on my 401(k) plan if I quit my job?

    Quitting your job does not trigger a taxable event for your 401(k) funds unless you elect to cash out your account and take ...
  37. Retirement: U.S. Vs. Abroad

    Which option would make more sense for you: retiring abroad or staying at home in the U.S.? A look at the advantages and ...
  38. What is the maximum I can contribute to my 401(k) plan?

    Investing for retirement might mean making some sacrifices at first, but the resulting peace of mind is well worth the initial ...
  39. Is the cost of living adjustment (COLA) mandatory?

    Learn how increases in the cost-of-living adjustment, or COLA, for Social Security benefits occur each year automatically ...
  40. Retirement Abroad: 5 Unexpected Foreign Cities

    If retiring abroad is your dream, here are some less well known destinations where the culture is rich; the scenery, lovely ...
  41. Want an Easy Retirement? Don't Go Here

    Looking for a good place to retire? You might want to avoid these cities.
  42. Retirement Strategies For Low Income Seniors

    Plans and strategies for building a healthy and satisfying life, even if your retirement income isn't as high as you wish ...
  43. The Best Jobs for Retirees

    We explore seven great career options for retired people.
  44. The Best Retirement Plans For Millennials

    Retirement is decades away, but if you make yourself start saving even a little now, all that time can make your money grow ...
  45. I Was Intimidated By Investing, But Here's How I Got Started

    The first time I felt intimidated by adult responsibility, I was three months out of college. It was my very first job interview ...
  46. Impact Of Continuing To Work In Retirement

    What if you just kept working instead of retiring when you reach 65 or 66? Here's how to calculate how it would affect your ...
  47. When Should I Take Social Security?

    Confused by your Social Security benefits? You’re not alone. Luckily our expert Rob Kron breaks it down.
  48. Typical Retirement Expenses

    Travel is one thing people start doing more of when they retire. Here are ways to think about how your spending may change ...
  49. The Retired Person's Guide To Managing Expenses

    Use these strategies for managing your expenses when retired, and you'll be able to enjoy life with a minimum of unpleasant ...
  50. 5 Signs You're Spending Too Much In Retirement

    You're finally retired – free to have all the adventures you've dreamed of. Just be sure you have a budget and watch for ...
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