| File Format: | MS Word DOC, EPUB, PDF, TXT, HTML |
| Number of Pages: | 43 pages |
| Salespage: | Not Included |
| Download/Thank You Page: | Not Included |
| Included Graphics: | Cover graphics |
| Cover Graphics: | JPG and PNG in several different styles |
| Extras: | 25 quality plr promo articles |
| File Size: | 4.875 meg |
| Year Released/Circulated: | 2012 |
| Suggested Selling Price: | $17.00 |
Since they were introduced in the 1970s, the reach of 401(k) plans as retirement savings accounts has risen sharply. Up from just over 60% participation before major rule changes in 2006, it is estimated that nearly 90% of earners take advantage of these accounts to save for retirement, as of the late 00’s. Nearly 50 million workers and their employers have contributed what stood at 3 trillion dollars at the beginning of 2008. A year later, that last figure is considerably lower.
A 401(k) account allows your employer to make a contribution to your retirement without having to be responsible for a pension, making it attractive to both sides. Often, an employer will match your contributions up to a specific percent of your earnings or maximum annual contribution, as determined by your income. While they are more attractive to high-income earners, they also have advantages for most workers.
As a contributor to one or more 401(k) accounts through your working career, you'll be investing a portion of your income into some type of financial vehicle – most often a combination of them. This has brought a much larger percentage of Americans into the stock market than have been for many decades.
Ebook Table of Contents:
CHAPTER 1 – DEFINING THE 401(K) PLAN …………….. 8
PARTICIPANT-DIRECTED 401(K) PLANS ……………….. 8
TRUSTEE-DIRECTED 401(K) PLANS …………………… 9
HOW 401(K) PLANS DIFFER FROM IRA…………………. 10
CONTRIBUTION CAPS ……………………………… 11
EMPLOYER CONTRIBUTIONS …………………………. 12
PAYROLL DEDUCTIONS AND SAVINGS RATES……………… 12
HISTORY OF 401(K) PLANS ………………………… 13
REASONS FOR SUPPLEMENTAL RETIREMENT SAVINGS ………. 14
LEGISLATION AND PROVISIONS CREATING 401(K) STATUS….. 17
SIMILAR SAVINGS PLANS ………………………….. 18
PROBLEMS WITH 401(K) PLANS ……………………… 21
TRANSFERRING 401(K) EARNINGS ……………………. 21
HIDDEN COSTS ………………………………….. 22
TYPICAL TRANSPARENCY ISSUES …………………….. 23
2 WHAT WENT WRONG WITH 401(K) PLANS IN 2008? ……… 25
THE COLLAPSE OF THE REAL ESTATE MARKET …………… 26
THE CREDIT CRUNCH ……………………………… 26
STAGFLATION …………………………………… 27
UNEMPLOYMENT ………………………………….. 28
3 OPTIONS FOR 401(K) PLANS ……………………… 30
THE IMPACT OF A BEAR MARKET ON RETIREMENT SAVINGS ACCOUNTS 30
CONDITIONS OF EARLY WITHDRAWAL ………………….. 31
PENALTIES …………………………………….. 32
TAXES ………………………………………… 33
REINVESTING IN STABLE FUNDS …………………….. 33
EXPENSE RATIOS ………………………………… 34
AGE-RELATED FACTORS TO CONSIDER …………………. 35
YOUNG INVESTORS ……………………………….. 36
OLDER INVESTORS ……………………………….. 36
4 A PLAN FOR STABILIZING YOUR 401(K) RETIREMENT SAVINGS .. 38
READING AND UNDERSTANDING THE SUMMARY ANNUAL REPORT …… 38
REQUESTING UPDATED MATERIALS ……………………. 39
ANALYZING HISTORICAL PERFORMANCE ………………… 39
APPROACHING YOUR EMPLOYER WITH BETTER 401(K) OPTIONS ..39
RECRUITING FELLOW EMPLOYEES TO HELP ……………… 40
COMMON 401(K) MANAGEMENT MISTAKES TO AVOID ……….. 40
CASHING OUT TOO SOON …………………………… 41
INVESTING TOO LITTLE TO GET MAXIMUM MATCHING FUNDS … 41
TAKING 401(K) LOANS ……………………………. 41
INVESTING TOO AGGRESSIVELY………………………. 42
ROLLING OVER INTO IRA SAVINGS …………………… 42
You'll also be getting 25 quality plr promo articles with the following titles and word counts:
401k Cash Outs versus 401k Loans – 703
401k: Don’t Put All Your Eggs in One Basket – 692
401k Early Withdrawals: Are They Worth it? – 747
401k Investments: Should You Choose or Let a Professional? – 736
401K Investments: Wait or Make the Change? – 597
401k Plans and Stocks: The Importance of Diversification – 617
401k Stocks: Should You Pull Out Because of the Bad Economy – 609
401k Stocks: Using the Internet as a Research Tool – 620
401k: Where to Invest Your Money – 657
Changing Jobs: What to Do With Your 401K – 738
Don’t Have a 401k: Get One Now – 734
Dos and Don’ts of 401k Investing – 673
How and Why to Monitor Your 401k – 637
How to Diversify Stocks in Your 401k – 684
How to Enroll in a 401k Program – 600
Questions to Ask About 401Ks – 662
Should You Take a 401k Loan? – 653
The Pros and Cons of 401k Loans – 668
Tips for Doing 401k Rollovers – 660
Tips for Waiting Out the Poor Stock Market – 709
Tips to Avoid Tapping Into Your 401k – 717
Tips to Invest Your 401k – 564
Why Your 401K is Important – 610
Why You Should Invest in the Stock Market Now – 588
Your 401k and Early Retirement – 670
We've also included a number of cover graphics including different cover styles, ipad and nook style covers. Also there are two flat cover images one blank.
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