401(k) Plan Basics

When you contribute to a 401(k) plan, you are making payments on your future retirement income. The sooner you start making these payments, the sooner you’ll be able to afford a comfortable retirement. Find out how a 401(k) plan can help you meet your retirement goals.

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401(k) Contributions

Both employees and employers can make contributions to a 401(k) plan, but not all plans permit the same contributions. Check out our summary of 401(k) plan contribution types and then review your plan for their availability.

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401(k) Distributions

If you participate in a 401(k) plan, you should understand the rules for withdrawing money from your account – otherwise known as taking a distribution – even if you don’t plan to touch this money for decades. See our FAQ with answers to common questions.

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401(k) Loans

401(k) loans are popular because they’re often a ticket to fast cash.  However, they’re also subject to strict rules that can result in painful taxes or penalties when violated. See our FAQ with answers to common questions that will help you understand these rules and avoid trouble.

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Understanding 401(k) Fees

Fees reduce your 401(k) account returns, forcing you to work longer to afford a comfortable retirement. Find out how to uncover your 401(k) account fees in plan disclosures.

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Retirement Planning

Saving for retirement is one of the most important things we must do during our working years. After all, living expenses don’t stop after you stop earning a paycheck. Follow our 2-step process to keep your 401(k) savings on track.

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Online 401(k) Calculators

When you participate in a workplace 401(k) plan, you must answer two basic questions – “how much do I save” and “where do I invest?” Our favorite online calculators can help answer these questions.

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Backdoor Roth IRA Contributions

This tax strategy permits a 401(k) participant to make after-tax contributions up to the IRC section 415 limit ($54,000 for 2017) and then roll their account to a Roth IRA, where the money can then grow tax-free. Typically, only participants in an owner-only (solo) 401(k) plan can use this strategy.

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