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What Is a Summary Plan Description?
A Summary Plan Description is a document that employers must give to employees in retirement plans or health benefit plans covered by ERISA.
Why Did My Employer Delay 401(k) Distributions?
There may be legitimate reasons why an employer may delay 401(k) plan distributions, but the company must give you an explanation in writing.
What Information Does an Employer Have To Give About a 401(K) Plan?
At a minimum, 401(k) plan participants are entitled to a summary plan description, summary annual report, and annual statement of account information.
Commingled Fund Definition
Commingled funds mix assets from several accounts, which affords them lower costs and other economies-of-scale benefits. Unlike mutual funds, they are not regulated by the Securities and Exchange Commission and are not available to retail investors.
When a 401(k) Hardship Withdrawal Makes Sense
If you have exhausted all other avenues, a hardship withdrawal from your 401(k) can avoid penalties and taxes.
Job Hunting: Higher Pay vs. Better Benefits
Focusing only on pay when job hunting may be a mistake. Find out which benefits have the highest payoff in the long run.
Understand the Security Types of Corporate Bonds
Bond investors should be aware of the different security types that comprise the corporate bond universe as well as the direct correlation these assets have to potential recovery rates.