Answers to Top Questions
A great place to start is NetBenefits ® —log in www.netbenefits.com to find out about the features of your 401(k) plan.
This depends on your company's 401(k) plan and the type of loan or withdrawal you are requesting. To see if you are eligible and for details on how to request a loan or, log in to the Loans or Withdrawals sections of NetBenefits ®. For general information, visit the Loans or Withdrawals sections of 401k.com.
The annual IRS dollar limit is $16,500 for 2009. In following years, these pre-tax contribution limits may be periodically increased in $500 increments. If you are 50 or older, you can contribute an additional $5,500 in catch-up contributions in 2009. Your employer-sponsored retirement plan(s) may have additional limits or restrictions. Some plans allow you to contribute on an after-tax basis as well.
Some companies offer a "match" or "matching contribution" as an incentive to join the company retirement plan. It means that the company will contribute a certain amount to your account for every dollar that you contribute, up to a certain limit. If your employer offers matching contributions to your plan, be sure you're contributing at least enough to trigger the match. Matching contributions are effectively like getting free money for your retirement.
Most individuals have four options for the money in their 401(k) plan account when changing jobs:
This depends on your company's 401(k) plan and the type of withdrawal you are requesting. To learn more about the tax implications and distribution options for taking a withdrawal, log in to the Rollovers and Withdrawals section of NetBenefits . For general information, visit the Withdrawals section of 401k.com
For more questions see The Basics of a 401(k) plan
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