| Introduction |
|
1 | (6) |
|
|
|
1 | (2) |
|
|
|
3 | (1) |
|
|
|
4 | (1) |
|
|
|
4 | (1) |
|
|
|
4 | (3) |
| Part 1: The ABCs Of 401(K)S And IRAs |
|
7 | (38) |
|
Chapter 1 Explaining IRAs and 401(k)s |
|
|
9 | (10) |
|
Exploring the Basics of Retirement Savings Plans |
|
|
9 | (5) |
|
Getting down to 401(k) basics |
|
|
10 | (2) |
|
|
|
12 | (2) |
|
Comparing and Contrasting IRAs and 401(k)s |
|
|
14 | (2) |
|
Accentuating the Positive |
|
|
16 | (3) |
|
|
|
16 | (1) |
|
Getting employer contributions |
|
|
16 | (3) |
|
|
|
19 | (14) |
|
Realizing the Reasons for Tax Breaks |
|
|
19 | (2) |
|
What the government gains |
|
|
20 | (1) |
|
|
|
20 | (1) |
|
|
|
21 | (3) |
|
|
|
22 | (1) |
|
|
|
22 | (1) |
|
Adjusting your income with AGI |
|
|
22 | (1) |
|
Figuring your marginal tax rate |
|
|
23 | (1) |
|
Getting Credit for Contributions |
|
|
24 | (4) |
|
Deducting IRA contributions |
|
|
24 | (1) |
|
Paying attention if your spouse has a plan |
|
|
25 | (2) |
|
Earning extra credit according to income |
|
|
27 | (1) |
|
Taxing Income at Retirement |
|
|
28 | (3) |
|
Staying Alert to Changes in Tax Law |
|
|
31 | (2) |
|
Chapter 3 Naming Beneficiaries and Planning for the Future |
|
|
33 | (12) |
|
Deciding Who Gets Your Savings When You're Gone |
|
|
34 | (1) |
|
Detailing the Distribution |
|
|
35 | (1) |
|
|
|
36 | (1) |
|
Passing along Company Stock |
|
|
37 | (2) |
|
|
|
39 | (1) |
|
Qualifying Your Charitable Giving |
|
|
39 | (3) |
|
|
|
40 | (1) |
|
Linking RMDs and QCDs (and minding your Ps and Qs) |
|
|
40 | (1) |
|
|
|
41 | (1) |
|
|
|
42 | (5) |
|
Deciding - or being told - what to do with the money |
|
|
42 | (1) |
|
|
|
43 | (1) |
|
Stretching an inherited IRA |
|
|
43 | (2) |
| Part 2: 401(K) Basics |
|
45 | (50) |
|
Chapter 4 Checking the Benefits of a 401(k) |
|
|
47 | (16) |
|
Realizing What a 401(k) Does for You |
|
|
48 | (9) |
|
Lowers how much tax you pay |
|
|
49 | (4) |
|
Gets you matching funds from your employer |
|
|
53 | (2) |
|
Makes room for a little something extra: Employer non-matching contribution |
|
|
55 | (1) |
|
Allows you to save without tears |
|
|
56 | (1) |
|
Vesting: When Your Employer's Contribution Is Yours to Keep |
|
|
57 | (2) |
|
Vesting of employer contributions |
|
|
57 | (1) |
|
Making exceptions (You knew this was coming, right?) |
|
|
58 | (1) |
|
Letting the Pros Work for You |
|
|
59 | (1) |
|
|
|
60 | (2) |
|
Meeting minimum standards |
|
|
60 | (1) |
|
Avoiding losses in bankruptcy |
|
|
61 | (1) |
|
Watching Out for Potential Pitfalls |
|
|
62 | (1) |
|
Earning more may mean contributing less |
|
|
62 | (1) |
|
Being at the mercy of your plan |
|
|
62 | (1) |
|
Chapter 5 Signing Up for a 401(k) |
|
|
63 | (6) |
|
Exploring Your Eligibility |
|
|
63 | (3) |
|
Sometimes you play a waiting game |
|
|
64 | (1) |
|
Sometimes you can't join at all |
|
|
65 | (1) |
|
Sometimes you're automatically in |
|
|
66 | (1) |
|
|
|
66 | (1) |
|
Deciding How to Invest Your Money |
|
|
67 | (2) |
|
Chapter 6 Paying Attention to Administrative issues |
|
|
69 | (18) |
|
|
|
69 | (7) |
|
|
|
70 | (1) |
|
|
|
71 | (1) |
|
|
|
72 | (2) |
|
Paying extra for extra services |
|
|
74 | (1) |
|
Checking on small business challenges |
|
|
74 | (2) |
|
Considering Funding Issues |
|
|
76 | (3) |
|
|
|
76 | (1) |
|
|
|
77 | (1) |
|
Prospecting in the prospectus |
|
|
78 | (1) |
|
Knowing What You Can Know |
|
|
79 | (1) |
|
Working to Improve Your Plan |
|
|
79 | (8) |
|
Upgrading investment performance |
|
|
80 | (2) |
|
Searching out information |
|
|
82 | (1) |
|
Questioning investment strategy |
|
|
83 | (4) |
|
Chapter 7 Weighing Your Options When You Leave Your Employer |
|
|
87 | (8) |
|
Taking Your Savings with You |
|
|
88 | (1) |
|
A Rolling 401(k) Gathers No Taxes |
|
|
88 | (3) |
|
Realizing that account size matters |
|
|
89 | (1) |
|
Moving your money to your new employer's plan |
|
|
90 | (1) |
|
Waiting for the money to transfer |
|
|
91 | (1) |
|
Leaving Money with Your Old Employer |
|
|
91 | (1) |
|
|
|
92 | (1) |
|
Taking Stock into Account |
|
|
93 | (2) |
| Part 3: Here Come The IRAs |
|
95 | (28) |
|
Chapter 8 investing in an IRA |
|
|
97 | (10) |
|
Looking at the Basics of Your IRA |
|
|
97 | (4) |
|
|
|
98 | (1) |
|
|
|
99 | (1) |
|
Benefiting from a spousal IRA |
|
|
100 | (1) |
|
Starting an IRA for a child |
|
|
100 | (1) |
|
|
|
101 | (3) |
|
Deciding where to invest your money |
|
|
102 | (1) |
|
|
|
103 | (1) |
|
|
|
104 | (1) |
|
|
|
104 | (3) |
|
Chapter 9 To Roth or Not to Roth |
|
|
107 | (8) |
|
Predicting Future Tax Rates |
|
|
108 | (2) |
|
|
|
108 | (1) |
|
|
|
109 | (1) |
|
The "Or Not to Roth" Section |
|
|
110 | (1) |
|
Taking Money Out of Your Roth IRA |
|
|
111 | (1) |
|
|
|
112 | (3) |
|
Chapter 10 Rolling Over an IRA |
|
|
115 | (8) |
|
Rolling-Over Basics (How to Shake Is Next) |
|
|
115 | (2) |
|
Rolling through the Process |
|
|
117 | (4) |
|
Rolling through a conduit |
|
|
119 | (1) |
|
|
|
120 | (1) |
|
|
|
120 | (1) |
|
Calling a Roth Conversion: No, It's Not a New Football Play |
|
|
121 | (1) |
|
|
|
121 | (2) |
| Part 4: Saving And Investing |
|
123 | (72) |
|
Chapter 11 Setting Up Your Savings Plan |
|
|
125 | (18) |
|
Targeting Your Retirement Date |
|
|
126 | (1) |
|
Getting Your Hands on Your Money |
|
|
127 | (7) |
|
Drawing on your Social Security |
|
|
127 | (4) |
|
Tapping into other sources |
|
|
131 | (2) |
|
Living the retirement life |
|
|
133 | (1) |
|
Testing the waters in your gene pool |
|
|
134 | (1) |
|
Developing Your Retirement Savings Plan |
|
|
134 | (9) |
|
Cutting down on your expenses |
|
|
134 | (2) |
|
|
|
136 | (4) |
|
|
|
140 | (3) |
|
Chapter 12 Determining How Much to Save |
|
|
143 | (12) |
|
Improving Your Chances of an Ideal Retirement |
|
|
143 | (1) |
|
Deciding How Much of Your Salary to Put Aside |
|
|
144 | (6) |
|
Making use of your salary deferral agreement |
|
|
144 | (1) |
|
Measuring your plan's maximums |
|
|
145 | (1) |
|
Being highly paid means different rules |
|
|
146 | (2) |
|
Estimating what your budget can afford |
|
|
148 | (2) |
|
|
|
150 | (5) |
|
If you're retiring in the near future |
|
|
150 | (2) |
|
If your retirement is farther off |
|
|
152 | (2) |
|
Using a retirement calculator |
|
|
154 | (1) |
|
Chapter 13 Selecting Your Investments |
|
|
155 | (24) |
|
Looking Over the Investment Menu |
|
|
156 | (11) |
|
Money market funds: Show me the money |
|
|
157 | (2) |
|
Keeping things reined in with stable value funds |
|
|
159 | (1) |
|
Bonding your funds: Single portfolio seeks stable relationship |
|
|
159 | (1) |
|
Deciding one and done: Balanced and TDF funds |
|
|
160 | (1) |
|
Stock funds: A feather in your cap |
|
|
160 | (4) |
|
Investing where you work: Company stock |
|
|
164 | (1) |
|
Brokerage window: Don't fence me in |
|
|
165 | (2) |
|
Forging Your Own Investment Trail |
|
|
167 | (1) |
|
Baking Your Asset Allocation Pie |
|
|
168 | (7) |
|
Check your ingredients and avoid these common mistakes |
|
|
170 | (4) |
|
Open the oven door once in a while to check your progress |
|
|
174 | (1) |
|
Make sure that your pie complements the rest of the meal |
|
|
174 | (1) |
|
Seeking Help from the Pros |
|
|
175 | (4) |
|
Finding books and publications |
|
|
175 | (1) |
|
Consulting a real live person |
|
|
176 | (1) |
|
|
|
177 | (1) |
|
|
|
178 | (1) |
|
Chapter 14 Taking Reasonable Investment Risks |
|
|
179 | (16) |
|
Defining Some Investment Basics |
|
|
180 | (5) |
|
Playing debt instruments and making equity investments |
|
|
180 | (1) |
|
Taking a dip in the mutual fund pool |
|
|
181 | (1) |
|
Watching the return of the mummy...er...money |
|
|
182 | (1) |
|
Diversifying for fun and safety |
|
|
183 | (2) |
|
|
|
185 | (2) |
|
Seizing the opportunity of a downturn |
|
|
185 | (1) |
|
Buying more when prices are low |
|
|
186 | (1) |
|
Classifying Different Types of Risk |
|
|
187 | (4) |
|
Losing more than you can stand |
|
|
187 | (1) |
|
Losing your entire investment |
|
|
188 | (1) |
|
Owning too much company stock |
|
|
189 | (2) |
|
Not having enough money to live on during your retirement |
|
|
191 | (1) |
|
Understanding the Risk-Reward Relationship |
|
|
191 | (1) |
|
Deciding How Much Risk You Can Stand |
|
|
192 | (3) |
| Part 5: Money In, Money Out |
|
195 | (46) |
|
Chapter 15 Making Contributions |
|
|
197 | (6) |
|
Checking Out How Much You Can Contribute |
|
|
197 | (3) |
|
Gauging the limits of the law |
|
|
198 | (1) |
|
Seeing what Uncle Sam allows (he's extra generous if you're 50 or older) |
|
|
198 | (1) |
|
Paying attention to the percent-of-pay limit |
|
|
199 | (1) |
|
Heeding limits on your personal IRA |
|
|
200 | (1) |
|
Maxing Out Matching Contributions |
|
|
200 | (1) |
|
|
|
201 | (2) |
|
Spreading out your 401(k) contributions |
|
|
201 | (1) |
|
Spreading out your IRA contributions - or not |
|
|
202 | (1) |
|
Chapter 16 Withdrawing Money Before You Retire |
|
|
203 | (14) |
|
Taking Money from Your IRA |
|
|
204 | (1) |
|
Accessing Your 401(k) Plan Money While Working |
|
|
205 | (1) |
|
Facing Hardship with Your 401(k) at Your Side |
|
|
206 | (4) |
|
|
|
206 | (2) |
|
|
|
208 | (1) |
|
Calculating the tax you owe |
|
|
209 | (1) |
|
Dipping into Your 401(k) Money to Buy Your First Home |
|
|
210 | (1) |
|
Both a Borrower and a Lender Be |
|
|
211 | (2) |
|
|
|
211 | (1) |
|
Figuring out how much you can borrow |
|
|
212 | (1) |
|
Determining how much interest you pay |
|
|
212 | (1) |
|
Paying the piper: Repayment rules |
|
|
212 | (1) |
|
To Loan or Not to Loan (To Yourself, That Is) |
|
|
213 | (1) |
|
Weighing a Hardship Withdrawal versus a Loan |
|
|
214 | (1) |
|
|
|
215 | (2) |
|
Chapter 17 Managing Your Plans after Retirement |
|
|
217 | (24) |
|
Looking Forward to Retirement |
|
|
218 | (1) |
|
Decisions, Decisions: What to Do with Your 401(k) Money |
|
|
218 | (5) |
|
Being older can save you money |
|
|
220 | (1) |
|
Foiling the dreaded early withdrawal penalty |
|
|
221 | (1) |
|
Leaving money with your former employer |
|
|
222 | (1) |
|
Making Withdrawals from Your IRA |
|
|
223 | (1) |
|
Paying Uncle Sam His Due: Required Withdrawals |
|
|
224 | (3) |
|
Developing a Strategy to Deal with the Tax Man |
|
|
227 | (2) |
|
Which comes first: Plucking the chicken or emptying the nest egg? |
|
|
227 | (1) |
|
Dealing with that darned company stock |
|
|
228 | (1) |
|
Managing Your Investments in Retirement |
|
|
229 | (2) |
|
|
|
230 | (1) |
|
|
|
230 | (1) |
|
|
|
231 | (4) |
|
|
|
231 | (1) |
|
|
|
232 | (3) |
|
Consolidating Your Accounts |
|
|
235 | (1) |
|
|
|
236 | (1) |
|
Row, Row, Row Your Boat, Gently Down the Income Stream |
|
|
237 | (2) |
|
Treating Your Home Like the Asset It Is |
|
|
239 | (4) |
|
|
|
239 | (1) |
|
Making use of your equity |
|
|
240 | (1) |
| Part 6: Helping Small Employers |
|
241 | (50) |
|
Chapter 18 Plans from a Small Employer's Perspective |
|
|
243 | (18) |
|
|
|
243 | (1) |
|
Meeting Regular 401(k) Requirements Is a Pain in the Pocketbook |
|
|
244 | (6) |
|
Getting to know ERISA and her requirements |
|
|
245 | (1) |
|
Dieting won't help top heavy plans |
|
|
245 | (2) |
|
Sticking up for the little guy: Nondiscrimination tests |
|
|
247 | (2) |
|
Calculating the bottom line on employer contributions |
|
|
249 | (1) |
|
Deciding on other bells and whistles |
|
|
249 | (1) |
|
|
|
250 | (3) |
|
Going it alone: The solo 401(k) |
|
|
250 | (1) |
|
Choosing a safe harbor in a storm of requirements |
|
|
251 | (1) |
|
|
|
252 | (1) |
|
Finding Alternatives to a 401(k) Plan |
|
|
253 | (6) |
|
Making it easy with payroll deductions |
|
|
254 | (2) |
|
SIMPLE Simon met a pie man |
|
|
256 | (2) |
|
Contributing the funds with a Simplified Employer Pension (SEP) |
|
|
258 | (1) |
|
|
|
259 | (2) |
|
Chapter 19 Offering a 401(k) Plan |
|
|
261 | (18) |
|
|
|
262 | (5) |
|
Prioritizing employees: Being a fiduciary |
|
|
263 | (1) |
|
Exploring the world of fees |
|
|
264 | (3) |
|
Choosing a 401(k) Provider |
|
|
267 | (4) |
|
Getting up close and personal - why you shouldn't |
|
|
268 | (1) |
|
Streamlining the process with outside help |
|
|
268 | (3) |
|
Going to a third party (the second one was lame) |
|
|
271 | (1) |
|
Choosing Investments and Advisors for Your 401(k) Plan |
|
|
271 | (4) |
|
Small business seeking a 401(k) advisor |
|
|
272 | (1) |
|
Selecting the investments |
|
|
273 | (1) |
|
Figuring out what types of funds to offer |
|
|
274 | (1) |
|
Wrapping Up a Package of 401(k) Plans |
|
|
275 | (2) |
|
Joining Up: MEPs, PEPs, and PPPs |
|
|
277 | (1) |
|
Seeking common ground: MEPs |
|
|
277 | (1) |
|
|
|
278 | (1) |
|
A 401(k) Is a Terrible Thing to Waste: Educating Employees |
|
|
278 | (1) |
|
Chapter 20 Choosing a Plan for Your Business |
|
|
279 | (12) |
|
Selecting a Plan That's Right for You |
|
|
279 | (3) |
|
Considering Real-Life Examples |
|
|
282 | (4) |
|
Meeting a small business's needs with a SEP |
|
|
282 | (1) |
|
Reaching personal contribution goals with the SIMPLE plan |
|
|
283 | (1) |
|
Adopting the standard 401(k) for a growing business |
|
|
284 | (1) |
|
Attracting employees with a QACA 401(k) |
|
|
285 | (1) |
|
|
|
286 | (1) |
|
Changing Service Providers |
|
|
287 | (4) |
| Part 7: The Part Of Tens |
|
291 | (20) |
|
Chapter 21 Ten + Two Ways to Save For Retirement |
|
|
293 | (6) |
|
Join an Employer-Based Retirement Plan |
|
|
293 | (1) |
|
Set Up Automatic Withdrawals |
|
|
294 | (1) |
|
|
|
294 | (1) |
|
Deposit Bonus Money in Your Retirement Account |
|
|
294 | (1) |
|
Earmark $20 a Week for Your Retirement Fund |
|
|
295 | (1) |
|
Deposit Your Tax Refund into Your Retirement Account |
|
|
295 | (1) |
|
Cancel Subscriptions You No Longer Use |
|
|
295 | (1) |
|
|
|
295 | (1) |
|
Shop for Better Insurance Rates |
|
|
296 | (1) |
|
|
|
296 | (1) |
|
|
|
296 | (1) |
|
Reduce Your Transportation Costs |
|
|
297 | (2) |
|
Chapter 22 Ten Questions about IRAs Answered |
|
|
299 | (6) |
|
Where can I start an IRA? |
|
|
299 | (1) |
|
Do I need to hire a broker or financial advisor to start an IRA? |
|
|
300 | (1) |
|
How much can I contribute to my IRA? |
|
|
300 | (1) |
|
What tax breaks do I get for having an IRA? |
|
|
300 | (1) |
|
How do I take money out of my IRA? |
|
|
300 | (1) |
|
How much tax do I have to pay when I withdraw money from my IRA? |
|
|
301 | (1) |
|
What can I invest in through my IRA? |
|
|
301 | (1) |
|
What's the safest way to invest my IRA money? |
|
|
301 | (1) |
|
|
|
302 | (1) |
|
Can I start an IRA for my spouse and/or children? |
|
|
302 | (1) |
|
When do I have to start taking money out of my IRA? |
|
|
303 | (2) |
|
Chapter 23 Ten Reasons to Participate in a 401(k) |
|
|
305 | (6) |
|
|
|
305 | (1) |
|
The Stock Market Can Be Your Friend |
|
|
306 | (1) |
|
You May Get Contributions from Your Employer |
|
|
306 | (1) |
|
Your 401(k) Money Is Placed Safely in a Trust |
|
|
306 | (1) |
|
Any Plan Is Better than No Plan |
|
|
307 | (1) |
|
|
|
307 | (1) |
|
You May Be Able to Take Out a Loan |
|
|
307 | (1) |
|
Social Security Isn't Enough |
|
|
308 | (1) |
|
The Younger You Start, the More You Can Save |
|
|
308 | (1) |
|
You Can Contribute More as You Get Older |
|
|
309 | (2) |
| Index |
|
311 | |
Lisainfo e-raamatute kohta