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| Author | : Daniel R. Solin |
| Publisher | : Penguin |
| Total Pages | : 175 |
| Release | : 2010-07-06 |
| Genre | : Business & Economics |
| ISBN | : 1101458046 |
This book will change the way you think about and invest in your retirement savings plan-forever. Internationally bestselling author and consumer advocate Dan Solin challenges some basic and misguided assumptions about traditional retirement plans to reveal that: ? 401(k) and 403(b) plans are laden with Porky Pig fees, poor investment choices, and conflicts of interest. You may be better off just saying "No!" ? There is a simple way to make smart choices in these plans- and this book shows you exactly what to do and which funds to avoid. ? There is one investment that could be the key to a successful retirement plan. You can do it yourself, with pre-tax or after-tax money. Create your own, inflation-proof pension plan that is guaranteed to provide you with monthly income for as long as you live, and beyond! Smart Investing is not complicated. You have the power to make meaningful changes to your retirement savings plan-no matter what your age or financial status. "If you haven't taken a recent look at what your own retirement investments are doing and-perhaps even more important-how they are put together, reading Solin's smart little book might provide the impetus for action." -Miami Herald
| Author | : Empower Retirement |
| Publisher | : Aspen Publishers |
| Total Pages | : 1430 |
| Release | : 2020-12-16 |
| Genre | : |
| ISBN | : 9781543823677 |
Quite simply, the hunt for specific answers to important questions begins - and ends - with this clear, comprehensive resource. 401(k) Answer Book covers all aspects of plan design and administration, as well as the relationships of 401(k) plans with other types of retirement plans. When participants, sponsors, or service providers ask you questions, this book gives you the answers. 401(k) Answer Book provides coverage of 401(k) plan design, testing, taxation, reporting and disclosure, and termination, and brings you up to date on investment-related topics and regulatory guidance. Written by the experts at Empower Retirement, this comprehensive one-volume desk reference is a must have for pension administrators, benefits managers, fund managers, trustees, accountants, attorneys, human resource professionals, consultants, advisors, and anyone who deals professionally with 401(k) plans. 401(k) Answer Book, 2021 Edition is packed with special features, including: A 401(k) Compliance Calendar An IRS Rollover Chart A chart of key participant disclosures and notices with cross-references to chapters for detailed information Up-to-date sample notice templates for safe harbor 401(k) plan notices, automatic enrollment notices, and QDIA notices (appendices A, B, and C) Sample Section 404(c) checklist Information on rollover rights of nonspouse beneficiaries Model notice for an EIAA Practical information on partial plan terminations, plan mergers, and spinoffs Fiduciary guidelines for selecting an annuity payment option And much more! Previous Edition: 401(k) Answer Book, 2020 Edition, ISBN 9781543817324
| Author | : EMPOWERRETIREMENT. |
| Publisher | : |
| Total Pages | : 1458 |
| Release | : 2021-12-17 |
| Genre | : |
| ISBN | : 9781543851595 |
401(k) Answer Book, 2022 Edition
| Author | : Shlomo Benartzi |
| Publisher | : Penguin |
| Total Pages | : 288 |
| Release | : 2012-04-12 |
| Genre | : Business & Economics |
| ISBN | : 110158033X |
One of the world’s top experts in behavioral finance offers innovative strategies for improving 401(k) plans. Half of Americans do not have access to a retirement saving plan at their workplace. Of those who do about a third fail to join. And those who do join tend to save too little and often make unwise investment decisions. In short, the 401(k) world is in crisis, and workers need help. Save More Tomorrow provides that help by focusing on the behavioral challenges that led to this crisis inertia, limited self-control, loss aversion, and myopia—and transforms them into behavioral solutions. These solutions, or tools, are based on cutting edge behavioral finance research and they can dramatically improve outcomes by, for example, helping employees: -Save, even if they aren’t ready to do so now, by using future enrollment. -Save more by showing them images of their future selves. -Save smarter by reshuffling the order of funds on the investment menu. Save More Tomorrow is the first comprehensive application of behavioral finance to improve retirement outcomes. It also makes it easy for plan sponsors and their advisers to apply these behavioral tools using its innovative Behavioral Audit process.
| Author | : John C. Suttle |
| Publisher | : |
| Total Pages | : |
| Release | : 2006 |
| Genre | : 401(k) plans |
| ISBN | : 9781413305371 |
IRAs, 401(k)s & Other Retirement Plans helps you make sense of the rules that govern distributions from retirement plans, and avoid the stiff penalties that lurk in the fine print. It covers the different types of retirement plans -- including 401(k)s and other profit-sharing plans, Keoghs, IRAs and tax-deferred annuities -- and the taxes and penalties that can deplete your nest egg.
| Author | : Ted Benna |
| Publisher | : John Wiley & Sons |
| Total Pages | : 291 |
| Release | : 2011-05-04 |
| Genre | : Business & Economics |
| ISBN | : 1118069803 |
Get the most out of your 401(k) in any economy Filled with sample 401(k) portfolios for every stage of life Invest your 401(k) money wisely and make the most of your retirement Want to know what kind of investment mix you need to make your retirement money grow? Don't know what to do with a 401(k) account from your last job? Worried that your company's 401(k) plan doesn't cut it? Relax! This simple, plain-English guide shows you how to manage your accounts, minimize your risks, and maximize your returns. The Dummies Way * Explanations in plain English * "Get in, get out" information * Icons and other navigational aids * Tear-out cheat sheet * Top ten lists * A dash of humor and fun
| Author | : Jason Foster |
| Publisher | : Athabasca University Press |
| Total Pages | : 204 |
| Release | : 2018-01-26 |
| Genre | : Political Science |
| ISBN | : 1771991992 |
In October 2005, Jason Foster, then a staff member of the Alberta Federation of Labour, was walking a picket line outside Lakeside Packers in Brooks, Alberta with the members of local 401. It was a first contract strike. And although the employees of the meat-packing plant—many of whom were immigrants and refugees—had chosen an unlikely partner in the United Food and Commercial Workers local, the newly formed alliance allowed the workers to stand their ground for a three-week strike that ended in the defeat of the notoriously anti-union company, Tyson Foods. It was but one example of a wide range of industries and occupations that local 401 organized over the last twenty years. In this study of UFCW 401, Foster investigates a union that has had remarkable success organizing a group of workers that North American unions often struggle to reach: immigrants, women, and youth. By examining not only the actions and behaviour of the local’s leadership and its members but also the narrative that accompanied the renewal of the union, Foster shows that both were essential components to legitimizing the leadership’s exercise of power and its unconventional organizing forces.
| Author | : Michael J. Marini |
| Publisher | : Michael J. Marini |
| Total Pages | : 95 |
| Release | : 2018-05-21 |
| Genre | : Business & Economics |
| ISBN | : |
A consumer-empowerment book for people in 401(k), 403(b) & 457(b) plans. The average participant fee in small business 401k plans across the U.S is 4%. Fees are not much lower at even mid and large-size companies. Learn how employees can take the lead and drive change within companies by working with management to secure lower retirement plan fees. From The Back Cover… For every hundred dollars in your workplace retirement account, how much is your 401(k), 403(b) or 457(b) company slipping out the back door for themselves? Hint: Don’t ask your employer. They don’t know either. All they did was hire the company. And so it goes… In every town, in every workplace across the U.S… Employees blissfully trust that their employer selected a good retirement plan. Employers blissfully trust that they did too, completely unaware of what good actually looks like. The only ones who know what good and bad look like are the retirement plan companies, and therein lies the problem. It is a classic case of the fox guarding the henhouse. Only this fox is really smart, because you don’t even know if your hens are missing. You are about to find out. 401 CONFIDENTIAL takes you on the inside of the retirement plan industry. I do a brain dump on how retirement plans are packaged, priced and sold to private and public-sector employers. I show you the dirty little secrets of the industry. I show what ultra-low fees and ultra-high fees look like. And I show employers and employees how to calculate your fees and take back what belongs to you. By the end of this book I shift the entire balance of power from the retirement plan companies to the retirement plan consumers.
| Author | : Ted Benna |
| Publisher | : John Wiley & Sons |
| Total Pages | : 354 |
| Release | : 2021-10-26 |
| Genre | : Business & Economics |
| ISBN | : 1119817242 |
From the basics down to investing, get the most out of your 401(k) and IRA in any economic environment When you’re ready to start setting aside (or withdrawing) money for your retirement—whenever that might be—401(k)s & IRAs For Dummies is here for you! It covers both types of retirement plans because they each have valuable tax benefits, and you may be able to contribute to both at the same time. With the practical advice in this book, you learn how to manage your accounts, minimize your investment risk, and maximize your returns. Sounds like a win-win, no matter your situation or where you’re at in life. Written by a well-known expert and ‘father of the 401 (k)’ , Ted Benna, 401(k)s & IRAs For Dummies helps you keep up with the ever-changing rules surrounding both retirement plans—including the rules from the SECURE and CARES Acts—and avoid the mistakes that can lead to higher taxes and penalties. Additional topics include: Tax strategies before and after retirement Required distributions and how much you need to take Penalties for taking money out early and how to avoid them What happens to your or your spouse’s retirement plan after death or divorce The rules for taking money out of an inherited plan Methods for calculating required minimum distributions Special tax benefits for conversions to Roth IRAs How to recharacterize IRA or Roth contributions Why IRA based plans are a better options for many small employers Helping solo entrepreneurs and other small businesses pick the right type of plan Whether you’re just starting to think about a retirement plan, planning when to retire, or you’re facing retirement, you’ll find useful and practical guidance in 401(k)s & IRAs For Dummies. Get your copy today!
| Author | : William Wolman |
| Publisher | : Basic Books |
| Total Pages | : 272 |
| Release | : 2003-04-03 |
| Genre | : Business & Economics |
| ISBN | : 9780738208527 |
The American public was hoodwinked: 401(k)s were established to satisfy corporations, not the interests of working Americans. Portrayed as a perpetual wealth machine, the 401(k) was meant to satisfy the needs of every employee. Yet, it was an impossible promise to fulfill: It was the great 401(k) hoax. According to William Wolman and Anne Colamosca, this was the latest act in the gradual erosion of the nation's retirement system. Drawing from reams of historical and contemporary data as well as economic, social, and political trends, they reveal the system's troubled 100year history. Beyond exposing the hoax, the authors urge everyone to take charge of their investment portfolio and recommend strategies for beating Wall Street at its own game. Timely and incisive, The Great 401(k) Hoax is guaranteed to inspire debate and action-from the water cooler to the boardroom to the voting booth.
