All Questions
Tagged with retirement-plan 401k
71
questions
12
votes
5
answers
9k
views
My employers "401(k) contribution" is cash, not an actual retirement account. What are my options?
I just took a job that I like, and the line in the offer letter turns out to be misleading (I think through inexperience, not manipulation).
This is it:
You will eligible to receive a 401(k) match of ...
- 345
3
votes
2
answers
598
views
Can I regularly direct funds to a different retirement account?
I don't like my company's retirement plan sponsor. I feel their array of investment options are quite poor (poor because they don't have many options, their expense fees are high, and they don't offer ...
- 131
2
votes
1
answer
70
views
401k Matching Rules Regarding Losses when Match is Revoked
My employer matches my 401k but it is on a long vesting schedule and I will almost certainly leave before it finishes vesting. I know I will have to give it back but was wondering how to gains/losses ...
- 472
1
vote
1
answer
125
views
Is there a penalty for rolling a 401(k) into new employer while the markets are down?
I have a 401(k) account with my old employer which I have not rolled over yet to my new employer. As I am no longer contributing to the old account or employed by them, I am wondering if there any ...
- 113
4
votes
1
answer
49
views
Does Contributions To A Simple 401K Plan Count Toward The Yearly "Normal" 401K Contribution Limit?
I work two jobs and have a "normal" 401K plan from one of the two jobs. The contribution ceiling for a "normal" 401K plan in 2021 is $19,500. I know that contributing to a SEP ...
- 661
3
votes
0
answers
322
views
How do I find the 401(k) administrator of a long gone company?
I was recently informed by the Social Security Administration that I "may" be entitled to some retirement benefits from a company I worked for in ... 1996. The company (which was publicly ...
- 471
2
votes
2
answers
713
views
What is a 401k plan in some contracting agency that is 0% to 100% contribution and limited to 25 funds?
I have worked as a software contractor before, for a company and they didn't have 401(k) plan at all.
And then I have worked at a different company, with something like, we can contribute, and for the ...
- 1,013
1
vote
2
answers
124
views
Is 401(k) plan without any matching like an IRA?
I might take a software contracting job, and the agency has a 401(k) plan, but just 0% matching.
But it seems a little bit weird: what does it mean, is it a way for us to put more money in than an IRA ...
- 1,013
0
votes
1
answer
885
views
Where can one view the split between pretax, after-tax and Roth money in one's Vanguard 401(k) account?
The best I could find is https://retirementplans.vanguard.com -> Retirement plan participants -> Manage my money -> Manage my brokerage option, which gives the split between Roth money and ...
- 11.4k
3
votes
3
answers
392
views
Should I contribute to a 401k pre-tax or Roth after tax if I plan to work for a year and then go back to grad school?
I am completely new to investment for retirement, and just got my first job.
My job offers a 401k pre-tax and a Roth after-tax.
However I plan return to grad school after one year of working. Is it ...
- 133
24
votes
10
answers
17k
views
Does the “15% into retirement” rule include employer contributions?
I keep seeing that you should be putting 15% of your income (link2, link3) into a retirement account. Does that include the employer match? For instance, if my employer has a 4% match, do I still put ...
- 549
2
votes
1
answer
149
views
401K Liquidation
I contributed to a 401(k) for the past three years and due to market volatility there is no gain in my contribution.
Its hard earned money. Is it possible to sell all the stocks and bonds contributed?...
- 129
2
votes
1
answer
283
views
Can a previous employer contribute to my closed 401k after termination
I was terminated in late January of 2020 by my previous employer. I had worked for them for 5 years and 2 months. I had over 5k in my 401k account and withdrew it all a couple days after termination (...
0
votes
1
answer
225
views
How much should you put in a 401k plan?
I am making ~$145,000 per year and was wondering if it is wise to contribute 12% pre-tax to my 401k? Is this too much? Is there any disadvantage in contributing nothing? I am already well off (come ...
- 11
0
votes
0
answers
34
views
Do employers receive any financial benefit from offering a RRSP/401K matching program? [duplicate]
I understand that companies that offer RRSP matching programs may be more attractive to work for/have better employee retention, and the employers may get warm fuzzies from offering it to their ...
- 2,592