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401k

A collection of 5 issues

How HSA Investing Beats Traditional 401(k) for Some Expenses

Introduction Most employees immediately think of the company 401(k) plan when they hear the words long-term investing. Yet there is another tax-advantaged vehicle that can quietly outshine the traditional 401(k) for certain costs: the Health Savings Account, or HSA. When properly funded and invested, an HSA can provide

What Is a Safe Harbor 401(k) Plan? A Complete Guide for Employers and Employees

Understanding the Safe Harbor 401(k) Plan A Safe Harbor 401(k) plan is a type of employer-sponsored retirement plan designed to automatically satisfy certain IRS nondiscrimination tests. By following specific contribution and notice rules, employers can avoid the annual ADP, ACP, and Top-Heavy testing that often complicates traditional 401(

What Is an In-Kind Rollover? Definition, Process, Pros & Cons

Introduction to In-Kind Rollovers Most investors know they can move money from one tax-advantaged retirement account to another, but many assume they must sell all the investments inside the old plan first. That is not always the case. An in-kind rollover allows you to transfer the actual securities—such as

What Is a Beneficiary Designation on 401(k)s?

Understanding 401(k) Beneficiary Designations When you enroll in a 401(k) retirement plan, one of the first administrative tasks you encounter is filling out a beneficiary designation form. Although it may feel like a minor piece of paperwork compared with choosing investments or deciding how much to contribute, this

401(k) Employer Match: Don’t Leave Free Money on the Table

Introduction: What Is an Employer 401(k) Match? When it comes to saving for retirement, few perks are as valuable—or as overlooked—as the employer match on a 401(k). Put simply, an employer match is free money that your company deposits into your retirement account when you contribute