May
26
2011
Retirement Plans
Information on Retirement Plans by Glenford Robinson
There is a multitude of information on retirement plans, from investing to withdrawing money. An employer’s Retirement Plan is very important for an employee’s future– financial security and peace of mind. Understanding how a particular retirement plan works and the benefits associated with it, is paramount to a successful retirement. No one wants to work his or her entire life without enjoying the fruits of retirement. This is why one should always keep track of retirement benefits. We will review some important information about the available retirement plans.
401(k) Plan
A 401(k) is a type of defined contribution plan, where the employee make contributions from his or her paycheck before taxes are deducted. The contributions go into a 401(k) account, with the employee choosing an investment option. The employer makes contributions in most plans by matching employee contributions up to a certain percentage. However, SIMPLE and Safe Harbor 401(k) plans have more employer contribution and vesting requirements.
Automatic Enrollment 401(k) Plan
In this type of 401(k) plan, employers automatically enroll employees in the plan and place contributions deducted from employees’ paychecks into certain predetermined investments, unless the employees decide otherwise. Participants have the opportunity to participate or opt out of periodic opportunities to change their investments.
Defined Benefit Plan
This type of plan, also known as the traditional Pension Plan, promises the participant a specified monthly benefit when the employee retires. The benefit is often based on factors such as employee salary, age, and the number of years the employee worked for the employer.
Defined Contribution Plan
The defined contribution plan specifies that both the employee and employer contribute to the employee’s individual account under the plan. The employee decides how the account will be invested. The amount in the account at distribution includes the contributions and investment gains or losses, minus any investment and administrative fees. The contributions and earnings are not taxed until they are distributed. The account value will change based on the value and performance of the investments.
Employee Stock Ownership Plan (ESOP)
This type of retirement is enticing for those employees who love investing in stocks. It is a type of defined contribution plan, which allows an employee to invest in an employer’s stock–employee stock options.
Multiemployer Plan
This type of retirement plan is sponsored by more than one employer under a collective bargaining agreement that has a certain requirement. Employees who have this plan with a participating employer can keep the same plan with a new job, providing that the new employer is participating in the collective agreement.
For more information on retirement plans, please visit dol.gov.
There are many different retirement plans available, and learning about them will help us make the best decision when it comes time to retire.
About the Author
Ever Wanted to Promote Your Brand in Forums, Blogs, Message Boards, or Article Directories? Well, here is your chance! Mstardom.com is a social networking community where members submit promo articles and promo blogs about their products and services for free.
Glenford S Robinson is a Clinical Lab Scientist, Expert Author, and President of Mstardom.com.
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2001 Retirement Plans for Not-For-Profit Organizations: A Practical Guide to Cost-Effective Retirement Planning for $12.42 Used – This resource delivers all the help you need to select, create, and administer a compliant, effective retirement plan. From 401(k)s to profit-sharing plans-everything you need is in one easy-to-use volume. You’ll get the very latest on key court cases that affect plan structures, updates on cash balance plans, hot tips on automatic plan administration and employee self-service technologies, and more! You’ll even receive a CD-ROM containing sample plan documents, including tax-sheltered an |
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