Rules Push Workers into 401 k s: related news

Rules Push Workers into 401(k)s

New employees who don't enroll in their company's 401(k) plan next year may find themselves saving for retirement anyway. A new law making it easier for companies to automatically enroll their employees in 401(k) plans goes into effect December 24. Many employees will now be given the choice to "opt out" of their company's default 401(k) plan rather than "opt in," as they do now.

Roth 401(k) a boon later with taxes

Question: I'm in my 20s and work for a company that offers both a regular 401(k) and a Roth 401(k). I'm trying to decide which to use. Is there an age when it makes sense, or doesn't, to choose the Roth 401(k)? How do you decide? - R.S., Denver

Should You Tap Your 401(k) Now?

p>Have you ever taken a loan from your 401(k)?

If you have, you're not alone. A number of studies in recent years have shown that about a fifth of 401(k) plan participants have loans outstanding at any given time. And while 401(k) loans are a once-in-a-lifetime event for some, many other folks treat their retirement savings as yet another revolving line of credit.

Corporate I-T records open to hacking too

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Stacked Deck: Debit Card That Taps 401(k) Retirement Savings Is Easy to Use and Abuse

RISMEDIA, July 23, 2008-(MarketWatch)-Debit cards are straightforward. You use them for purchases and money is deducted from your bank account. But when the debited account is your 401(k) retirement plan, critics angrily line up to take a swipe at that piece of plastic.It’s not hard to see why. The 401(k) debit card lets you borrow from retirement savings and pay yourself back with interest over time, much as you would with a typical 401(k) loan. Only the card makes it much easier to crack your retirement nest egg; all you do is shop, swipe and sign.

ETFs Make Little Headway into 401(k) Plans

A June survey conducted by State Street Global Advisors and Knowledge@Wharton determined that financial advisors think the biggest potential growth area for the exchange-traded fund industry is in 401(k) plans. Of the survey's 840 respondents, 43% said that 401(k)s would be the biggest area of growth for the ETF industry going forward, compared with 27% for actively managed ETFs and 20% for unified managed accounts.

401(k)s: Where You Stand

Have you ever wondered how your 401(k) nest egg compares with those of coworkers or neighbors your age? Here's a sneak peek into what Americans have stashed away in their 401(k)'s and how they've invested their money, by age group.

What Should You Do With Your Old 401(k)?

(EMAILWIRE.COM, June 26, 2008 ) (EMAILWIRE.COM, Cincinnati, OH -- If you have changed jobs several times during the course of your career, you probably have an interesting collection of retirement savings accounts from your previous employers. In fact, according to the Department of Labor, Americans move to a new employer once every four years and our collective trail of old 401(k) and 403(b) plans totals in the trillions of dollars. While leaving your retirement account with a former employer is a better decision than cashing out your account and splurging on a boat, it may be more beneficial to consolidate your retirement savings by rolling your old 401(k) or similar employer-sponsored retirement plan into an IRA. A Rollover IRA offers you four major benefits: • Increased Investment Options.

Merrill Lynch Uni-K 401(k) Plan

Merrill Lynch and Pioneer Investments are offering the Uni-K Plan - a 401(k) plan designed exclusively for owner-only businesses.

ShareBuilder401(k) Reports Surging Demand for Small Biz 401(k) Plans

BELLEVUE, Wash., May 20 /PRNewswire/ -- At a time when many Americans are scrambling to make ends meet, a surprising number of small businesses are finding the wherewithal to finally begin saving for retirement, according to ShareBuilder401(k), a leading provider of 401(k) plans for small businesses.

ShareBuilder401(k) Reports Surging Demand for Small Biz 401(k) Plans

BELLEVUE, Wash., May 20 /PRNewswire/ -- At a time when many Americans are scrambling to make ends meet, a surprising number of small businesses are finding the wherewithal to finally begin saving for retirement, according to ShareBuilder401(k), a leading provider of 401(k) plans for small businesses.

ShareBuilder401(k) Reports Surging Demand for Small Biz 401(k) Plans

BELLEVUE, Wash., May 20 /PRNewswire/ -- At a time when many Americans are scrambling to make ends meet, a surprising number of small businesses are finding the wherewithal to finally begin saving for retirement, according to ShareBuilder401(k), a leading provider of 401(k) plans for small businesses.

With Economy Prompting Growing Numbers of Workers to Cash Out 401(k)s, RolloverSystems Helps Stem Tide With 'Cash-Out Calculator'

PRNewswire/ -- Workers who might be tempted to cash out their 401(k) savings to cope with the down economy now can get a reality check on how their decision will impact their long-term retirement security thanks to a cash-out calculator being made available by RolloverSystems Inc. (RSI), an independent provider of rollover services.

With Economy Prompting Growing Numbers of Workers to Cash Out 401(k)s, RolloverSystems Helps Stem Tide With 'Cash-Out Calculator'

PRNewswire/ -- Workers who might be tempted to cash out their 401(k) savings to cope with the down economy now can get a reality check on how their decision will impact their long-term retirement security thanks to a cash-out calculator being made available by RolloverSystems Inc. (RSI), an independent provider of rollover services.

Announcing the Availability of SmartPlan 401, the World's First Interactive Video 401(k) Engagement Engine

Announcing the Availability of SmartPlan 401, the World's First Interactive Video 401(k) Engagement Engine

With Economy Prompting Growing Numbers of Workers to Cash Out 401(k)s, RolloverSystems Helps Stem Tide With 'Cash-Out Calculator'

With Economy Prompting Growing Numbers of Workers to Cash Out 401(k)s, RolloverSystems Helps Stem Tide With 'Cash-Out Calculator'

With Economy Prompting Growing Numbers of Workers to Cash Out 401(k)s, RolloverSystems Helps Stem Tide With 'Cash-Out Calculator'

With Economy Prompting Growing Numbers of Workers to Cash Out 401(k)s, RolloverSystems Helps Stem Tide With 'Cash-Out Calculator'

With Economy Prompting Growing Numbers of Workers to Cash Out 401(k)s, RolloverSystems Helps Stem Tide With 'Cash-Out Calculator'

CHARLOTTE, N.C., July 22, 2008 /PRNewswire via COMTEX/ -- Workers who might be tempted to cash out their 401(k) savings to cope with the down economy now can get a reality check on how their decision will impact their long-term retirement security thanks to a cash-out calculator being made available by RolloverSystems Inc. (RSI), an independent provider of rollover services.

Announcing the Availability of SmartPlan 401, the World's First Interactive Video 401(k) Engagement Engine

PRNewswire/ -- vWise Inc. today announced the general availability of SmartPlan 401, a unique new interactive video-based engagement system that prompts greater participation in company-sponsored investment plans, such as 401(k)s.

401(k)s Flee for the Hills

According to the Hewitt 401(k) Index, in March, many investors moved their 401(k) money from stocks to bonds. (OK, from "equities" to "fixed income investments," if you want to get all fancy about it.) Unfortunately, that's one of the worst possible moves those investors could make.

Can Banks Win the 401(k) Lottery?Loading...

Total 401(k) plan assets grew 12% to $2.9 trillion last year, and Simple, SEP and Solo 401(k) plans saw double-digit growth, reaching $300 billion in assets, according to a study by the Society of Professional Asset Managers and Record Keepers, or SPARK.

5 Reasons to Avoid 401(k) Debit Cards

New 401(k) debit cards make it even easier to flunk do-it-yourself retirement. Investors should be wary of the potential pitfalls of 401(k) debit cards, according to an investor alert from the Financial Industry Regulatory Authority (FINRA), a nongovernmental securities industry regulator.

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