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Investing in 401 (K) by Cliffs Notes Staff (1999, Trade Paperback)
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About this product
Product Identifiers
PublisherWiley & Sons, Incorporated, John
ISBN-100764585444
ISBN-139780764585449
eBay Product ID (ePID)1621405
Product Key Features
Book TitleInvesting in 401 (K)
Number of Pages128 Pages
LanguageEnglish
TopicInvestments & Securities / General, Personal Finance / Retirement Planning
Publication Year1999
IllustratorYes
GenreBusiness & Economics
AuthorCliffs Notes Staff
FormatTrade Paperback
Dimensions
Item Height0.4 in
Item Weight5.3 Oz
Item Length8.2 in
Item Width5.4 in
Additional Product Features
Intended AudienceTrade
Table Of ContentIntroduction. Why Do You Need This Book? How to Use This Book. Don't Miss Our Web Site. Chapter 1: The Basics of 401(k) Plans. The Purpose of the 401(k) Plan. Defining a 401(k) Plan. Retirement plan. Cash or deferred arrangement (CODA). Qualified. Defined contribution rather than defined benefit. What All 401(k) Plans Have in Common. Employer-provided. Professionally managed. Voluntary, limited contributions. 401(k) Plans versus Traditional Pension Plans. 401(k)s and Inflation. Chapter 2: Benefits of 401(k) Plans. Pay Less Tax. If you're in a lower tax bracket when you retire. Other tax deductions. Watch Your Savings Grows More Rapidly. Enjoy Plan Flexibility. Invest Effortlessly. Automatic withdrawal of contributions. Employer administration of funds. Professional investment management. Chapter 3: Assessing Your Income and Savings Plan. Calculating Your Current Financial Position. Your net worth: assets and debts. Your net saving: income and expenditures. Your Present and Future Obligations. Setting a retirement goal. Other savings goals. Unexpected expenses. Assessing Your Readiness to Meet Your Obligations. Evaluate current investments. Evaluate current savings. Evaluate current debt. Chapter 4: Determining Your Annual 401(k) Plan Contribution. What to Expect from Social Security. What You Need at Retirement. How Much You Need to Contribute. Calculate your total retirement savings goal. Calculate your annual contribution. Figuring your annual contributions. The Limits on 401(k) contributions. What to Do If You Come Up Short. Chapter 5: Understanding Your Investment Options. Money Market and Bond Funds. Guaranteed Investment Contracts. Common Stocks. Employee Stock Ownership Plans (ESOPs). Mixed (or Balanced) Funds. Keeping Track of What Your 401(k) Plan Offers. Other Retirement Savings Plan Options. Individual Retirement Accounts. SEPs, Keoghs, and so on. Chapter 6: Investing Successfully for Retirement. Basic Principles for Successful Investing. Set a goal and know what it will take to reach it. Start saving early. Utilize tax-deferred investment options like a 401(k) plan. Understand that investing always involves risk. Diversify your assets. Change your portfolio as your circumstances change. Investing Throughout Your Life. The early years. Middle years (30s and 40s). As you near retirement (50s and early 60s). Chapter 7: Understanding Risk. Understanding the Types of Risk. Inflation risk. Market risk. Specific risk. Determining Your Personal Tolerance for Risk. Sample 401(k) Plan Investment Choices Based on Risk Tolerance. An aggressive investment plan. A conservative investment plan. Chapter 8: Features Determined by Your Employer. Employer Matching of Contributions. Eligibility Requirements. Vesting. Valuation. Investment Options. Pre-retirement Withdrawal and Loans. Keeping Track of Employer Features. Chapter 9: Accessing Your Savings before Retirement. Loans on the Value of Your 401(k) Plan. Hardship Withdrawals. What constitutes a hardship? When the 10 percent penalty doesn't apply. Leaving Your Employer. Rollovers. Bankruptcy and Divorce. Chapter 10: Receiving Distributions When You Retire. Deciding When to Start Receiving Distributions. When you can begin receiving distributions. When you must begin receiving distributions. Calculati
SynopsisYour shortcut to successâ„¢ for over 40 years CliffsNotes. They helped you get through school. Now let them help you get through life. With this trusty guide, you'll get up to speed fast on how to take advantage of the 401(k) plan offered by your employer., Your shortcut to success " for over 40 years CliffsNotes. They helped you get through school. Now let them help you get through life. With this trusty guide, you'll get up to speed fast on how to take advantage of the 401(k) plan offered by your employer. Get more at www.cliffsnotes.com Find free e-mail newsletters, references, tools, samples, and more - including the complete CliffsNotes catalog and many downloadable titles. Check out our other CliffsNotes titles See the inside back pages for a list of CliffsNotes on Computers, Software, the Internet, Personal Finance, and Careers - and look for CliffsNotes on other topics coming soon.
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