Viewpoints about 401(k)

  • The basics of the 401(k) coverage test

    The 401(k) coverage test is one of the nondiscrimination tests plan sponsors must perform each year to keep their plan compliant. Find out what’s involved in completing this test.

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  • Tap into the tax benefits of saving in a 401(k)

    401(k) plans give your retirement savings special tax treatment. Understanding the tax implications of saving in your 401(k) can help you cut your tax bill today and, possibly, over the course of your lifetime.

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  • Group annuity or trust company—which is better for a 401(k) plan to make investments available?

    Retirement plans, such as 401(k) plans, offer participants the opportunity to save and invest for their future. To protect participant assets and enable them to be invested, plan sponsors must hire a provider that can recordkeep the plan and also hold the plan’s assets and provide access to investments. The two types of entities through which recordkeepers do this are generally insurance companies and trust companies. It’s helpful to understand both arrangements and the terms involved.

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  • Avoid these four common 401(k) nondiscrimination testing mistakes

    401(k) nondiscrimination testing must be performed annually to keep your plan compliant, and accurate results are vital. Learn how to avoid four common mistakes.

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  • How inflation can affect your 401(k)

    Over time, prices tend to go up—which is called inflation. Because of inflation, how much you spend on everyday items changes from year to year, even if what you buy doesn’t. If you want to be able to maintain your standard of living in retirement, you’ll need to account for inflation as you plan how much you should be saving.

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  • 14 answers you should know about 401(k) eligibility and vesting

    Eligibility and vesting among the most profound decisions you make about a 401(k) plan. Based on a thorough review of ERISA regulations, here’s some bite-sized information to help you understand the basics.

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  • ERISA and the 401(k) plan: a short history

    Knowing the history of ERISA and the 401(k) plan can help you understand your ERISA duties—and execute them effectively.

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  • 65 commonly asked 401(k) plan questions—and where to find answers

    From enrolling, to investing, to taking withdrawals, people have questions about their 401(k) plans and how to use them. Here are some of the common questions—and links to recent Viewpoints that can help answer them.

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  • Five low-cost tips for your company’s 401(k) plan in 2021

    The COVID-19 pandemic has changed the way we approach work, family, and fun. But just as you’ve adapted your professional and personal routines to new realities, the strategy for your large or small business retirement plan may need to adapt to continued uncertainty in 2021.

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  • Three ways to invest your 401(k) savings

    401(k) plans typically offer multiple ways for you to manage the money that you or your company put into your account: You can do it yourself, you can use an asset allocation fund, or you can have a professional do it for you.

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