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Information for Plan Participants

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Six Tips for 401k Investing in Today's Volatile Market - Summary: With the recent volatile financial markets, many 401k plan participants are asking for guidance on how to manage their 401k plan assets. To help answer provide some guidance, here are some tips you should keep these tips in mind as they manage their 401k in today's unpredictable market.

The Cost of Procrastination - Infographic - Summary: Procrastination affects all of us at some time or another, especially when it comes to financial matters. On average, most people started planning an average of 10.6 years later than they said they should have. So what does procrastinating for a decade cost?

Why You Should Rebalance Your Investment Portfolio - Summary: The asset classes in your portfolio may not move in the same direction at the same time or by the same amounts. Over a period of time the amount of "eggs" in each "basket" may look drastically different then how it started; these shifts can impact how your portfolio behaves and the risk that you are taking, which could impact your retirement plan. Rebalancing can help keep your portfolio inline by moving the "eggs" between the "baskets" back to your original allocation.

Tips for Protecting Your 401k When Markets Tumble - Summary: Markets are volatile. Drops of a 1,000 points on the Dow Jones Stock Index happen. How should you react to this stock market instability? The following are some tips for protecting your nest egg.

Resources

A glossary retirement plan and investment terms available here.


Frequently Asked Questions

Here are some of the most commonly asked questions that come to our pension experts.

What is a 401k plan?

Does my employer have to provide a matching contribution?

How do I locate an old 401k that I think I contributed to at a former employer?

If I needed to get access to an old 401k, what are my options?

If a Company You Work for Goes Bankrupt, What Happens to Your 401k

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Managing Your 401k Plan Assets

We are not in the investment advice business, but these articles may give you some important insights. You should always consult with your financial advisor for more detailed information and advice.

A Look at 401k Plan Fees

Asset Allocation Made Simple

Behavioral Finance -- What's Behind Your Investing Decisions?

Company Stock In Your 401k -- Keep it Balanced

Investment Basics

Indexing Prevails in "Stock Picker's" Market

The Magic of Compounding

Ten Steps to Making a Financial Plan to Create a Secure Retirement

Making the Transition: A Pre-Retirement Checklist

The Value of Asset Allocation

Nurture Your 401k Portfolio Using Asset Allocation

Why Is Knowing the Investment Style of a Stock Mutual Fund Important?

Understanding Investment Risk


Other Sites of Interest

Here are a couple of other websites you may find useful.


Why401k.com is a site where participants can go and calculate how their 401k deferrals will effect their paycheck.
Guideto401kloans.com for information on 401k loans.
Guideto401khardships.com for information on 401k hardships.


Calculators

Here are some handy on-line tools to help you solve some common financial problems. If you find these tools useful, be sure to bookmark this page.

The Roth 401k Analysis Tool

401k Savings Calculator

401k Calculator



Some Useful Information

We have gathered a few articles and other information on important 401k issues that are often asked about.

Do Surviving Spouses Have a Right to a 401k or an IRA? - Summary: When choosing a beneficiary for a retirement plan, it is important to understand how your spouse will be treated under the plan. Surviving spouses are treated differently under 401ks and individual retirement accounts (IRAs). While a 401k provides protections for a surviving spouse, an IRA does not.

Top 10 Reasons to Join Your 401k Plan - Summary: Compared to other savings plans available to private sector workers, the 401k plan has many good points. Here are our top 10 reasons why you should join your plan.


Loans and Hardship Withdrawals

Articles on the various rules, regulations. practical issues and guidelines related to 401k loans and hardship withdrawals.

401k Retirement Plan Loans: An Overview

401k Hardship Withdrawals: An Overview

Hardship Withdrawals Give Access to 401k Savings, but at a Cost

Emergency Access to Your 401k: Hardship Withdrawals

Do's and Don't's of Hardship Distributions

Eight Reasons to Never Borrow From Your 401k

Don't Tap Your 401k to Pay Off Debt


Other Good Information on and About 401k's

How does a 401k plan work? When does my employer have to deposit my payroll contributions? How can I take an early withdrawals without penalty? Are there warning signs I should look for? What are my pension rights? We have gathered articles on these and other important issues so you can quickly find in depth information and analysis. And we regularly update and add to this content.

Click Here to review all the articles we have on a wide variety of topics.


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