Getting Started in Rebuilding Your 401(k) Account

Overview

The essential guide to getting a 401(k) plan back on track

While a majority of workers have money invested in their 401(k) plans-and are relying on these funds for retirement-few truly understand how to manage and maintain these accounts, especially during the recent economic downturn. In 2008 alone, most 401(k) holdings declined by twenty percent. These losses, compounded by plan changes, have only led to more confusion.

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Overview

The essential guide to getting a 401(k) plan back on track

While a majority of workers have money invested in their 401(k) plans-and are relying on these funds for retirement-few truly understand how to manage and maintain these accounts, especially during the recent economic downturn. In 2008 alone, most 401(k) holdings declined by twenty percent. These losses, compounded by plan changes, have only led to more confusion.

The Second Edition of Getting Started in Rebuilding Your 401(k) Account offers up-to-date answers to frequently asked questions regarding these accounts and contains simple strategies for improving 401(k) returns-including moving money out of company stock, rolling over plans when leaving an employer, and moving some holdings to FDIC insured banks.

  • Explains the basics of 401(k) plans from what they are to how they work
  • Discusses new rules in the 401 (k) arena, from automatic enrollment to how plans can be taxed
  • Includes information on setting financial goals and choosing the investments that are right for you

401(k) plans have become a significant source of retirement funds for many. Learn how to make the most of them with the Second Edition of Getting Started in Rebuilding Your 401(k) Account.

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Product Details

  • ISBN-13: 9780470485828
  • Publisher: Wiley
  • Publication date: 6/1/2010
  • Series: Getting Started In..... Series , #83
  • Edition number: 2
  • Pages: 320
  • Product dimensions: 6.10 (w) x 9.10 (h) x 1.00 (d)

Meet the Author

Paul Katzeff is a seasoned personal finance writer with Investor's Business Daily. He was previously the Boston correspondent for Money magazine for more than a dozen years. Katzeff is the author of Getting Started in 401(k) Investing (Wiley) and the 10 Minute Guide to 401(k) Plans.

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Table of Contents

Acknowledgments ix

Introduction: Hopping onto the 401(k) Bandwagon 1

Part 1 Understanding Your 401(k) Plan: What It Is, How It Works, And Why You Need One 11

Chapter 1 Basics of Your 401(k) Plan 13

Chapter 2 Time and Money: Your Plan's Wealth-Building Weapons 25

Chapter 3 Understanding More of the Advantages 35

Chapter 4 Borrowing from Your 401(k) Account 53

Chapter 5 Hardship Withdrawal 65

Chapter 6 ABCs of Participation 71

Chapter 7 Making Participation Easier: Automatic Enrollment 87

Chapter 8 Learning Your Way around Your Plan 95

Chapter 9 How to Withdraw Your Money 113

Chapter 10 Roth 401(k) Accounts 133

Chapter 11 Single-Participant 401(k) Plans 141

Part 2 Setting Your Financial Goals: How Much Money Will You Need? Where Will Your Retirement Income Come From? 147

Chapter 12 How Taxes Can Take a Bite from Your Payouts 149

Chapter 13 Living on Less 163

Chapter 14 Measuring How Much Income You Will Need: Making Your Retirement Budget 169

Chapter 15 How Much Money Do You Need to Save? Use the Retirement Savings Work Sheet in This Chapter to Find Out 181

Part 3 Making A Game Plan-And Winning-Understanding The Biggest Threat Against Your Retirement Finances, and Knowing How to Select Your Investments 199

Chapter 16 Inflation: What It Is, How It Erodes Your Money, and Ways to Cope with It 201

Chapter 17 Invest for the Long Haul 211

Chapter 18 Invest for Steady Growth 219

Chapter 19 Plan Ahead: Investment Strategy, Goals, and Time Horizon 231

Chapter 20 What Is a Growth Stock Fund, Anyway? 241

Chapter 21 How to Pick a Growth Stock Fund 255

Chapter 22 Premixed Funds 267

Chapter 23 How to Do Your Investment Research 275

Chapter 24 Taking Care of Your Account 283

Chapter 25 Navigating Through Tough Times 295

Chapter 26 Sources of Information 305

Index 311

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