401(k) today: designing, maintaining & maximizing your by Stephen J Butler

By Stephen J Butler

The writer, cofounder of a third-party pension management enterprise and public speaker, discusses how 401(k) plans paintings, tips to examine the standard of a plan, and the way to revamp it to be greater. Of most likely curiosity to corporation decision-makers and lively 401(k) plan members.

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401(k) today: designing, maintaining & maximizing your company's plan

The writer, cofounder of a third-party pension management company and public speaker, discusses how 401(k) plans paintings, the way to verify the standard of a plan, and the way to revamp it to be greater. Of most likely curiosity to corporation decision-makers and energetic 401(k) plan contributors.

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Cm. Includes bibliographical references and index.  Title. 3'253dc21 99-31554 CIP First Edition 05 04 03 02 01 00 99 10 9 8 7 6 5 4 3 2 1 Interior Design: Gopa Design Editing: Marilyn Alexander Production: Linda Jupiter, Jupiter Productions Proofreading: Elinor Lindheimer Indexing: Paula C. Durbin-Westby Page v TABLE OF CONTENTS Preface vii Acknowledgments xiii Part One: Assessing and Redesign: Legal Considerations What the Law Allows You to Do 1 Chapter 1 Understanding How 401(k) Plans Work The First Step 3 Chapter 2 Loans and Matching Contributions The Most Underrated and Overrated Elements of a 401(k) 15 Chapter 3 Daily Versus Quarterly Valuation Is Daily Valuation Really Worth It?

A loan to the participant I'll discuss loans and hardship distributions in Chapter 2. As for retirement or termination, participants can have the funds from the 401(k) plan distributed to them in one of several ways: 1. Receive funds in a lump sum and pay regular taxes on the money. A If under age 59 1/2, the participant will pay regular taxes plus federal tax penalties of 10% and (in California) state tax penalties of 2%. B. If over age 59 1/2, the participant will pay regular taxes on any money taken from the plan, but no penalties.

Page 4 4. The plans are flexible and portable. 5. The plans have a relatively simple structure. 6. The plans offer professionally managed investment choices. Significant Amounts of Money Can Be Contributed For 1999, the maximum contribution to a 401(k) plan is 25% of a participant's annual income or $10,000, whichever is less. The dollar amount is changed periodically, based on cost-of-living adjustments. The 25% Maximum Percentage Contribution When I say that any one participant can contribute up to 25% of his or her annual income, this may confuse many people who have always heard that the maximum is 15%.

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