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401(k) Investing Overview



Smart and Easy Investing

Investing in a 401(k) plan through convenient payroll deductions helps employees quickly and easily accumulate a sizeable nest egg. A 401(k) plan helps employees invest regularly which is key to successfully achieving retirement goals.

Save on Income Taxes

401(k) plan contributions are deducted from pay before taxes, which reduces employees' income taxes and enables employee to save more.

401(k) vs. IRA

IRAs are a great way to further supplement your retirement income potential. However, 401(k)s offer higher contributions limits and greater flexibility in the form of loans and withdrawals. For the year 2019, employees could contribute up to $19,000.00 of income to a 401(k) plan. Also the pre-tax contribution advantages are only available through investing in a 401(k) plan.

Investments Grow Tax-Deferred

With a 401(k) plan, investment earnings are never taxed until the participants withdraw the money from the plan. Every year, the full balance of a participant's 401(k) account grows tax-free allowing returns to accumulate quickly.

Access to Stock and Bond Markets

Sure401k plans allow participants access to both the stock and bond markets through mutual funds. For those not interested in the market, they can defer money pre-tax into a Money Market fund.

Rest Easy, Your Investment is Safe

Sure401k uses top performing funds from quality fund managers for every Sure401k plan, so each 401(k) investment will help employees reach their goals. In addition, participants have 24/7 access to manage their funds online and through our interactive voice response system.

What difference does tax-free compounding really make?

Tax-free, compounding growth in a 401(k) plan can increase retirement savings dramatically. In the example below we have used an employee, age 25, with a starting salary of $30,000.00, a company matching contribution of 50% on the first 6% of the employee's contribution, 2.5% annual pay increases, and return on investments of 7% per year compounded monthly.



  % of Salary Invested in 401(k) Plan

Years
in Plan
6%9%12%15%

10$43,019.00$57,358.00 $71,696.00 $86,034.00
20$141,521.00$188,693.00$235,866.00$283,037.00
30$354,903.00$473,202.00$591,500.00$709,798.00
40$803,473.00$1,071,289.00$1,339,109.00$1,606,928.00


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