{"id":2289,"date":"2021-07-05T14:32:38","date_gmt":"2021-07-05T18:32:38","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=2289"},"modified":"2021-07-05T14:32:38","modified_gmt":"2021-07-05T18:32:38","slug":"a-retirement-plan-that-makes-tax-sense","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/a-retirement-plan-that-makes-tax-sense\/","title":{"rendered":"A Retirement Plan That Makes Tax Sense"},"content":{"rendered":"

<\/p>\"\"One of the more popular types of retirement plans in use today is a 401(k) plan. One reason for their appeal is that employees are allowed to save part of their pay each year, tax deferred, by contributing to various investment funds within the plan.\n

A 401(k) plan may also permit employees to make after-tax voluntary contributions and to direct the choice of those contributions as well. Employees are always 100% vested in their own 401(k) contributions. If the employer makes a matching or discretionary contribution to the plan, an employee\u2019s rights will usually vest in the contribution in accordance with a graduated schedule that cannot exceed seven years under current law. If permitted by the terms of the plan, employees can begin to withdraw funds from the plan, under certain circumstances, without incurring a 10% federal income tax penalty beginning at age 59\u00bd.<\/p>\n

Many plans give employees a choice of investments such as stocks, bonds, money market funds and, possibly, stock in the company itself. The best idea, in a word\u2014diversify. A balanced 401(k) account should mix market-valued equity with interest-paying investments. You may be wondering, \u201cWhat is the right mix for me?\u201d A typical guideline in early earning years might be to keep 60% or 70% (or more) of your money in market-valued equity investments and the rest in fixed-interest investments; then, slowly reverse that split as you get older.
\nWhat you do with your 401(k) plan should also complement your personal investments. If the majority of your investments are in stocks, a 401(k) can be the ideal place to keep investments that pay interest. Let your interest-earning and high dividend-paying investments grow inside your 401(k)\u2014tax deferred. The growth from stocks will not be cashed until you sell them. You can also claim tax deductions for losses on personally-held stocks. However, you usually receive no tax breaks for losses on investments held within a 401(k).<\/p>\n

As in all cases, you should invest your 401(k) account in a way that suits your individual circumstances. Analyze your own risk tolerance, investment objectives, and time frame before you decide where to invest your 401(k) account with our Custom Retirement Paycheck Plan<\/strong><\/em><\/span><\/a>!<\/p>\n

Let us show you in black and white a custom retirement income plan that is comprehensive, individualized and based on strategies that balance growth with downside protection. Get your Custom Retirement Paycheck Plan<\/strong><\/em><\/span><\/a> now!<\/p>\n

\"\"<\/a><\/p>\n

\n

>Click here to learn more about this FREE report<\/strong><\/em><\/span><\/a><\/p>\n<\/blockquote>\n

Give us a call at our Charlotte office at (704) 248-8549, or our Clemmons office at (336) 391-3409. Or, click here to request a no-cost, no-obligation meeting<\/strong><\/em><\/span><\/a>.<\/p>\n

\n

[SOURCES & ADDITIONAL DISCLOSURES]<\/strong><\/p>\n

Copyright \u00a9 2015 Liberty Publishing, Inc. All rights reserved. Distributed by Financial Media Exchange.<\/em><\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"

One of the more popular types of retirement plans in use today is a 401(k) plan. 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