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Financial Literacy
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Home
Learning
Your 401(k)
Financial Literacy
Learning
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Your 401(k)
Investing for Retirement: 401(k), 403(b), and 457 Plans
Understanding the Basics
Introduction
Your Role In Planning for Retirement
Why You Should Invest in a 401(k) Plan
A New Option to the 401(k)
Choosing between a 401(k) and a Roth IRA
Key Considerations
Basic Investment Concepts
Time Value of Money
The Power of Compound Interest
Dollar-Cost Averaging
Pre-tax, After-Tax, Tax-Deferred, and Tax-Free
The Effects of Inflation
The Nuts and Bolts of a 401(k) plan
Introduction
Contributions
Your Money Stays in the Plan
Rollover from a Previous Employer
Investing Your 401(k) Funds
Selecting a Beneficiary
Comparing your 401(k) to Other Retirement Plans
Should You Participate in a 401(k) Plan?
Does Your Spouse Have a 401(k) Plan?
Deciding How Much to Contribute to the Plan
What Can You Afford to Contribute?
Limits on Contributions
Managing Your 401(k) Investments
Introduction
Your Retirement Investment Goals
Risk Tolerance
Investment Return
Understand Risk
Basic Strategies
Investments
Asset Allocation
Managing Your Investments
How Is Investing for Retirement Different from Other Investing?
Steps to Follow when Investing in Funds in a 401(k) Plan
Pre-Retirement Withdrawals from Your 401(k)
Consider All Available Options
401(k) Loans
Another Option: Home Equity Loans
Hardship Withdrawals
Your 401(k) When Switching Jobs
Introduction
Income Tax Considerations
Beware–the 10% Early Withdrawal Penalty Tax
Rollover into a Traditional IRA or Other Retirement Plan
Conduit IRAs
Summary of Distribution Options When You Leave Your Company
Distributions from Your 401(k) at Retirement
Introduction
Lump-Sum Distribution
Annuity Distribution
Rollover to a Traditional IRA
The Roth IRA - How Does It Fit In?
Rollover to another Retirement Plan
Mandatory Withdrawals
An Overview of 403(b) and Section 457 Plans
403(b) Plans
Section 457 Plans
Glossary
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