Articles on 401ks & IRAs

How to Manage 401k Monies When After Retirement

By eHow Personal Finance Editor

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401k is a growth-oriented retirement plan but lack of knowledge about managing it, especially after retirement, can lead to losses. However, managing your 401k money effectively during retirement is fairly simple... more »

How to Open a Fidelity 401k Plan Online

By eHow Personal Finance Editor

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A 401(k) plan is an employer-sponsored retirement plan available for both small and large companies. This widely-used retirement savings vehicles lets employees make tax-free contributions. Opening a Fidelity 401(k) plan for a self-employed small ... more »

How to Take an IRA Hardship Withdrawal

By eHow Personal Finance Editor

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Many people, at one time or another, fall on financial hard times. Unexpected medical bills, lost jobs or other events can lead to financial stress. You might elect to take a hardship withdrawal from your IRA to help you through these tough ... more »

How to Avoid Income Taxes with IRAs

By eHow Personal Finance Editor

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Planning for retirement is of great concern for most people. Having the discipline to save today for tomorrows expenses is very tough for some people. One very popular investment vehicle used today is the individual retirement account, or IRA. ... more »

How to Avoid Penalties on Early IRA Withdrawals

By alienangel555

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There are times when you may need to tap into your IRA earlier than planned, and the 10% penalty can be a real burden. Here are ways that some of the costs can be avoided. An IRA can be tapped into before the age of 59 ½ for specific valid ... more »

How to Avoid Tapping Into Your 401k to Pay Off Debts

By eHow Personal Finance Editor

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When you invest in a 401k plan, it is not wise to access your funds before retirement. Though you can withdraw your money for a specified list of emergencies (pay off college fees, avoid eviction from your house, medical expenses and disability ... more »

How to Balance Stock in Your 401k Plan

By eHow Personal Finance Editor

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A 401k is a highly popular means of retirement planning. It is a plan whereby employees in the private sector can contribute a part of their earnings towards investment in stocks, bonds or money markets. This money and the interest earned thereof ... more »

How to Borrow From a 401k's Vested Benefits

By eHow Personal Finance Editor

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While generally you want to leave a 401k money alone until retirement, life has a way of springing little emergencies where that cash could come in handy. Instead of taking a high interest loan from a credit card or a bank, you can take it from ... more »

How to Calculate Taxes Owed on Early Withdrawal From an IRA

By eHow Personal Finance Editor

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Though an IRA, or individual retirement account, is typically money set aside for retirement, there are often unavoidable situations in life that make it necessary to withdraw funds early. Unfortunately, an early withdrawal from your IRA can make ... more »

How to Change Investment Choices in Your 403(b) Retirement Plan

By eHow Personal Finance Editor

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Your employer's 403(b) retirement account may not always offer the choices you want. Here are some ideas on how to change or add to your choices... more »

How to Change Your 401(k) Beneficiary

By Rebecca Mazin

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When you sign up for your company 401(k) plan you are asked to name a beneficiary. Iif you get married, divorced, remarried, have children or a beneficiary dies, it could be time to make a change... more »

How to Choose a Roth IRA

By eHow Personal Finance Editor

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Born on January 1, 1998, the Roth IRA came as a result of the Taxpayer Relief Act of 1997. Its namesake is the late Senator William V. Roth, Jr. The Roth IRA does not allow for tax deduction for contributions; instead, all earnings are tax free ... more »

How to Choose an Asset Allocation

By The Oracle

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The number of investment options available for your retirement savings can be daunting. This article helps you decide which ones are appropriate for your situation... more »

How to Choose an IRA Specialist. Helping Retirees Pursue Their Retirement Planning Goals

By ProWriter1

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The type of lifestyle you want to live when you retire might just depend on how well you save and invest your money. At some point you may feel the need to seek professional help. But, to whom should you turn? Today, most seniors and retirees ... more »

How to Choose My 401(k) funds

By eHowAdvisor

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How to Compute the Value of an IRA

By eHow Personal Finance Editor

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An IRA is the most popular form of private retirement investment for a few reasons. People know they cannot support themselves on Social Security alone; IRA's offer tremendous tax advantages and major growth. From time to time, it is important to ... more »

How to Decide Whether To Invest Retirement Money in an Annuity

By Mark Cussen

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While variable annuities can offer many benefits, they also come with a price. Find out whether the features and benefits that they contain are worth the cost for you... more »

How to Determine a Simple IRA Contribution Amount

By eHow Personal Finance Editor

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The Savings Incentive Match Plan for Employees (SIMPLE) IRA is a retirement savings vehicle available to smaller companies typically with less than 100 employees. The IRS annually sets a maximum amount that participants may contribute to their ... more »

How to Determine if You're Eligible for a 403(b) Retirement Plan

By eHow Personal Finance Editor

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Eligibility for participation in a 403(b) plan is determined by the type of employer you work for - it's that easy... more »

How to Determine Minimum IRA Distributions

By eHow Personal Finance Editor

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When you contribute to an Individual Retirement Account (IRA), the earnings accumulate tax free until you start withdrawals. There is no requirement to withdraw funds from your IRA account until you reach 70 1/2 years old. Furthermore, the first ... more »

How to Determine Penalties for 401k Early Withdrawals

By eHow Personal Finance Editor

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Sometimes in life emergencies arise where you find yourself in a cash crunch. If you don't have a reserve, the only place you may be able to get the money is from your 401k. However, before you yank the money, you should determine how much it is ... more »

How to Determine the Need for an IRA

By eHow Personal Finance Editor

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An IRA is a smart and safe investment for people interested in securing their retirement and future. Setting up an IRA can be confusing, especially for those who do not do so through an employer. However numerous IRA plans are offered through ... more »

How to Get various types of personal loans and automobile loans at USA based Financial Services Company

By John1216

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Designed specifically for credit union members, NMTW, the Financial Services Company, offers various investment and insurance programs that complement traditional savings plans. For nearly 85 years, we have been providing our clients with ... more »

How to Invest the Funds in Your 401(k)

By Mark Cussen

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Knowing how to effectively allocate the funds within your company 401(k) plan doesn't have to be an ordeal. Following these simple steps can help you to construct a successful retirement plan portfolio... more »

How to Keep an IRA After a Job Change

By eHow Personal Finance Editor

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You are changing jobs and have the opportunity to move upward in your career. Before going any further, you need to decide what to do with your retirement savings. Of course, keep it going. Roll it over to an IRA if it is in a 401K. If it is ... more »

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