Tag #401K

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foxnews.com

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Apr 15, 13:16

Tax Cuts Extension Proposed Via Retirement Savings Conversion

A proposal to extend the 2017 tax cuts without raising taxes by creating a one-time "conversion window" in 2026 allowing pre-tax retirement savings to be converted to Roth IRAs, generating significant tax revenue.

Tax Cuts Extension Proposed Via Retirement Savings Conversion

A proposal to extend the 2017 tax cuts without raising taxes by creating a one-time "conversion window" in 2026 allowing pre-tax retirement savings to be converted to Roth IRAs, generating significant tax revenue.

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How might this "conversion window" approach affect taxpayers and the government's revenue?

This plan aims to address funding needs for extending the 2017 tax cuts without raising taxes. By offering a tax-advantaged conversion opportunity, it incentivizes taxpayers to voluntarily pay taxes on their existing retirement savings, generating immediate revenue. This avoids the political complexities of direct tax increases, especially on high-income earners.

forbes.com

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Mar 27, 16:16

Managed Accounts Outperform Target-Date Funds for Retirement

Target-date funds (TDFs), popular in 401(k) plans (83% of participants use them, according to a 2024 Vanguard report), lack a cash reserve, exposing retirees to sequence of returns risk; managed accounts offer a superior alternative.

Managed Accounts Outperform Target-Date Funds for Retirement

Target-date funds (TDFs), popular in 401(k) plans (83% of participants use them, according to a 2024 Vanguard report), lack a cash reserve, exposing retirees to sequence of returns risk; managed accounts offer a superior alternative.

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What is the primary risk associated with relying solely on target-date funds for retirement savings, and how can this risk be mitigated?

Target-date funds (TDFs), while popular, lack a crucial cash buffer for retirement, exposing retirees to market downturns. A 2024 Vanguard report reveals 83% of 401(k) participants use TDFs, often their entire account, highlighting a significant risk.

forbes.com

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Mar 22, 22:10

Roth Solo 401(k): High Contribution Limits and Tax Flexibility for Self-Employed

The Roth Solo 401(k) plan, for self-employed individuals without full-time employees except a spouse, allows 2025 contributions up to $31,000 for employees (age 50+) and 25% of eligible compensation for employers, with a combined maximum of $70,000, offering tax-flexible traditional or Roth contribu...

Roth Solo 401(k): High Contribution Limits and Tax Flexibility for Self-Employed

The Roth Solo 401(k) plan, for self-employed individuals without full-time employees except a spouse, allows 2025 contributions up to $31,000 for employees (age 50+) and 25% of eligible compensation for employers, with a combined maximum of $70,000, offering tax-flexible traditional or Roth contribu...

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What are the key advantages of a Roth Solo 401(k) plan compared to other retirement savings options available to self-employed individuals?

The Roth Solo 401(k) retirement plan, designed for self-employed individuals and business owners without full-time employees (except spouses), allows for both employee and employer contributions, maximizing savings potential. For 2025, employee contributions can reach $31,000 ($23,500 + $7,500 catch-up for those 50+), while employer contributions are capped at 25% of eligible compensation, with a total combined limit of $70,000.

cbsnews.com

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Mar 12, 01:12

Managing Old 401(k) Plans: Rollover Options and Tax Implications

To manage old 401(k)s, check the balance; balances over \$7,000 allow for rollover to an IRA or new 401(k), or keeping it; below \$7,000, options may be limited; direct rollover avoids tax withholding.

Managing Old 401(k) Plans: Rollover Options and Tax Implications

To manage old 401(k)s, check the balance; balances over \$7,000 allow for rollover to an IRA or new 401(k), or keeping it; below \$7,000, options may be limited; direct rollover avoids tax withholding.

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What are the advantages and disadvantages of rolling over a 401(k) to an IRA versus keeping it in the existing plan?

Rolling over 401(k) assets into a no-fee IRA with diverse investment options is often recommended for balances over \$7,000. However, 401(k)s may offer creditor protections or specific investment choices not available in IRAs. Careful consideration of these factors is crucial.

cbsnews.com

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Mar 6, 01:10

Trump Tariffs Trigger Stock Market Drop, Raising Retirement Savings Concerns

President Trump's new tariffs on imports from Mexico, Canada, and China caused a 3% drop in the S&P 500 this week, prompting concerns about the impact on retirement savings and the broader U.S. economy; some analysts predict increased inflation and decreased economic growth.

Trump Tariffs Trigger Stock Market Drop, Raising Retirement Savings Concerns

President Trump's new tariffs on imports from Mexico, Canada, and China caused a 3% drop in the S&P 500 this week, prompting concerns about the impact on retirement savings and the broader U.S. economy; some analysts predict increased inflation and decreased economic growth.

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How are businesses responding to the uncertainty created by the tariffs, and what are the potential long-term economic consequences?

The stock market's downturn is linked to investor anxieties about a potential trade war, which could negatively impact the U.S. economy by slowing growth and increasing inflation. This uncertainty is affecting business decisions and consumer spending, as evidenced by Walmart and Target's statements on reduced consumer spending and increased costs.

forbes.com

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Mar 6, 13:14

Choosing the Right 401(k) Plan for Your Small Business

Small businesses can select from traditional, Safe Harbor, Solo, and Roth 401(k) plans offering varying contribution limits, tax benefits, and compliance requirements; the optimal plan depends on business size, employee count, and financial goals.

Choosing the Right 401(k) Plan for Your Small Business

Small businesses can select from traditional, Safe Harbor, Solo, and Roth 401(k) plans offering varying contribution limits, tax benefits, and compliance requirements; the optimal plan depends on business size, employee count, and financial goals.

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How do employer contribution requirements and compliance procedures vary among the different 401(k) plan types, and what are the implications for small business owners?

The choice of 401(k) plan significantly impacts both employee retirement savings and the company's financial strategy. Tax advantages vary depending on the plan type, with traditional plans offering flexibility and Solo 401(k)s providing high contribution limits for sole proprietors. Compliance requirements also differ, with Safe Harbor plans simplifying the process by mandating employer contributions.

forbes.com

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Apr 9, 19:20

The Shift of Retirement Responsibility and the Current Crisis

In 1975, General Battery stopped funding its pension plan due to economic hardship, a decision that shifted retirement savings responsibility to employees and contributed to the current retirement crisis, marked by widespread guilt and self-blame among retirees.

The Shift of Retirement Responsibility and the Current Crisis

In 1975, General Battery stopped funding its pension plan due to economic hardship, a decision that shifted retirement savings responsibility to employees and contributed to the current retirement crisis, marked by widespread guilt and self-blame among retirees.

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How did the introduction of 401(k) plans, in conjunction with the elimination of employer-sponsored pensions, affect the financial security of American workers?

The decision to halt pension funding was driven by immediate financial pressures and a lack of understanding regarding the implications of ERISA, which did not mandate employer-sponsored pension plans. This shift coincided with the introduction of 401(k) plans, which placed the responsibility of retirement savings on individual employees.

forbes.com

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Mar 24, 19:14

Risks of Leaving 401(k) with Past Employer

A former employee's decade-long struggle to transfer his 401(k) due to employer name changes, investment provider transitions, and address changes underscores the risks of leaving retirement funds with a previous employer, highlighting the benefits of transferring them to an IRA or new employer's pl...

Risks of Leaving 401(k) with Past Employer

A former employee's decade-long struggle to transfer his 401(k) due to employer name changes, investment provider transitions, and address changes underscores the risks of leaving retirement funds with a previous employer, highlighting the benefits of transferring them to an IRA or new employer's pl...

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What are the immediate risks and potential consequences of leaving a 401(k) plan with a previous employer, and how can these risks be mitigated?

Leaving your 401(k) with a former employer exposes your retirement savings to potential complications, including difficulty accessing funds due to address changes or employer transitions. This can lead to significant delays and administrative hurdles, as illustrated by the example of an individual struggling for 10 years to transfer their funds.

nbcnews.com

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Mar 13, 16:12

401(k) Holders Grapple with Market Downturn Amidst Trade War Concerns

Wall Street turmoil is causing widespread anxiety among 401(k) holders as market declines impact retirement savings; President Trump's trade war is cited as a major contributing factor, leading to increased calls to financial advisors and a shift towards safer investments.

401(k) Holders Grapple with Market Downturn Amidst Trade War Concerns

Wall Street turmoil is causing widespread anxiety among 401(k) holders as market declines impact retirement savings; President Trump's trade war is cited as a major contributing factor, leading to increased calls to financial advisors and a shift towards safer investments.

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How are President Trump's trade policies contributing to the anxieties of 401(k) holders?

The current market downturn, marked by a 4.8% decline in the S&P 500 year-to-date, is directly impacting retirement accounts tied to these indices. President Trump's trade policies and related economic uncertainty are fueling investor fear, as evidenced by increased calls to financial advisors and social media discussions about retirement account losses. This situation underscores the interconnectedness of global trade and personal finances.

forbes.com

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Mar 7, 19:11

Mega Backdoor Roth: Maximizing Tax-Free Retirement Savings

The mega backdoor Roth strategy, allowing after-tax 401(k) contributions up to $70,000 (under 50 in 2025) rolled into a Roth IRA, significantly boosts retirement savings for high earners beyond standard Roth 401(k) limits, potentially accumulating millions tax-free.

Mega Backdoor Roth: Maximizing Tax-Free Retirement Savings

The mega backdoor Roth strategy, allowing after-tax 401(k) contributions up to $70,000 (under 50 in 2025) rolled into a Roth IRA, significantly boosts retirement savings for high earners beyond standard Roth 401(k) limits, potentially accumulating millions tax-free.

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How does the mega backdoor Roth strategy compare to traditional Roth IRA and 401(k) contributions?

This strategy complements existing Roth contributions, maximizing tax-advantaged retirement growth. By using after-tax 401(k) contributions and rolling them over to a Roth IRA, individuals can accumulate significantly more retirement funds than with traditional Roth accounts alone. This is especially beneficial for those nearing retirement who need to accelerate their savings.

cbsnews.com

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Mar 6, 01:10

Trump Tariffs Trigger Stock Market Drop, Raising 401(k) Concerns

President Trump's new tariffs on imports from Mexico, Canada, and China caused a 3% drop in the S&P 500 this week, sparking concerns about the impact on 401(k) retirement savings and causing uncertainty among businesses due to mixed signals from the administration.

Trump Tariffs Trigger Stock Market Drop, Raising 401(k) Concerns

President Trump's new tariffs on imports from Mexico, Canada, and China caused a 3% drop in the S&P 500 this week, sparking concerns about the impact on 401(k) retirement savings and causing uncertainty among businesses due to mixed signals from the administration.

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What is the immediate impact of President Trump's tariffs on the stock market and 401(k) retirement savings?

President Trump's recent tariffs on goods imported from Mexico, Canada, and China have caused a 3% drop in the S&P 500 this week, raising concerns about their impact on 401(k) retirement savings. This market reaction reflects investor worries about decreased economic growth and increased inflation.

cnbc.com

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Feb 2, 16:10

Older Americans Fueling Workforce Growth Amid Retirement Challenges

The number of employed Americans aged 65 and older surged more than 33% from 2015 to 2024, reaching 7% of the total workforce, driven by factors such as an aging population, insufficient retirement savings, and rising living costs, forcing many to remain employed beyond the traditional retirement ag...

Older Americans Fueling Workforce Growth Amid Retirement Challenges

The number of employed Americans aged 65 and older surged more than 33% from 2015 to 2024, reaching 7% of the total workforce, driven by factors such as an aging population, insufficient retirement savings, and rising living costs, forcing many to remain employed beyond the traditional retirement ag...

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How have structural changes in retirement systems and Social Security contributed to the rising trend of older workers?

This trend reflects broader societal shifts in retirement planning and economic realities. The transition to defined-contribution plans necessitates extended work for financial security, while rising living costs and insufficient Social Security benefits force many to delay retirement. This increased workforce participation among older adults helps fill critical labor shortages across various sectors.

Showing 25 to 36 of 44 results