Viewpoints about 401(k)
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Eight things to know about joining your 401(k)
Know these items when joining a retirement plan: eligibility requirements, contribution limits, combining accounts, Roth access, matching contributions, vesting schedules, investments, and withdrawals.
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What's the potential benefit of a managed account as you approach retirement?
Your workplace retirement plan may offer a feature that can help with the transition from retirement saving to retirement spending. It’s called a managed account—and here are a few reasons to consider looking into it.
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Is your old retirement plan moving to a new provider? Here’s what you can do
What should you do when you're still in a former's employer's retirement plan--and you find out that a new financial institution will be servicing it? See your four options and tips for choosing one.
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What happens to my 401(k) when I retire?
For years, you’ve been contributing to your 401(k) plan at work. But what happens to your account when you retire? Here’s a look at how things will change—and some of the decisions you’ll eventually need to make.
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Four reasons to consider staying in your 401(k) after leaving a job
Some employers may let outgoing employees remain in their 401(k) plan, but will this be a good move for you? Here are a few reasons why staying in your old plan might make sense—at least for a while.
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Steps to setting up your small business 401(k)
Key steps in establishing a 401(k) plan and tailoring the plan design to meet the needs and objectives of a smaller enterprise and its employees.
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Why upgrading from SIMPLEs to 401(k)s may make sense
Incorporating retirement plans into your advisory business can be a great way to grow your practice. You can show your value to plan sponsors by clearly outlining the differences between SIMPLEs—IRA or 401(k)—and traditional 401(k)s.
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Can I take money from my 401(k)?
Saving for retirement is a long-term investment, and it’s natural to want to be able to take money out of your 401(k) if you need it. Find out the different 401(k) withdrawal options you may have while you’re working and when you change jobs.
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Cryptocurrency in 401(k) plans
Over the past few years, individual investors have become increasingly interested in investing in cryptocurrency. As a result, the U.S. Department of Labor (DOL) issued Compliance Assistance release No. 2022–01 401(k) Plan Investments in “Cryptocurrencies” (the release) to provide its initial guidance on the matter. It’s important to understand that guidance and how it might apply to your plan.
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What SECURE Act 2.0 could mean for 401(k) plans
Earlier this year, the SECURE Act 2.0 moved one step closer to becoming law. Plan sponsors and retirement plan professionals should start planning now for the system and procedural changes that could be needed as soon as January 1, 2023.
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