Qué (quién) es 401(k) - definición

TYPE OF RETIREMENT/PENSION PLAN IN THE UNITED STATES

401k; 401(k) plan; 401K; 401 (k); 401 (K); 401 k; 401 K; 401 plan; 401k plan; 401(K); 401(k) plans; 401k plans; 401(k) loan; 401k loan

401(k)

In the United States, a 401(k) plan is an employer-sponsored, defined-contribution, personal pension (savings) account, as defined in subsection 401(k) of the U.S.

https://en.wikipedia.org/wiki/401(k)

Roth 401(k)

The Roth 401(k) is a type of retirement savings plan. It was authorized by the United States Congress under the Internal Revenue Code, section 402A,26 U.

https://en.wikipedia.org/wiki/Roth_401(k)

Comparison of 401(k) and IRA accounts

COMPARISON OF US RETIREMENT OPTIONS

401k ira matrix; 401k IRA matrix; 401(k) IRA matrix

This is a comparison between 401(k), Roth 401(k), and Traditional Individual Retirement Account and Roth Individual Retirement Account accounts, four different types of retirement savings vehicles that are common in the United States.

https://en.wikipedia.org/wiki/Comparison_of_401(k)_and_IRA_accounts

Wikipedia

401(k)

In the United States, a 401(k) plan is an employer-sponsored, defined-contribution, personal pension (savings) account, as defined in subsection 401(k) of the U.S. Internal Revenue Code. Periodical employee contributions come directly out of their paychecks, and may be matched by the employer. This legal option is what makes 401(k) plans attractive to employees, and many employers offer this option to their (full-time) workers.

There are two types: traditional and Roth 401(k). For Roth accounts, contributions and withdrawals have no impact on income tax. For traditional accounts, contributions may be deducted from taxable income and withdrawals are added to taxable income. There are limits to contributions, rules governing withdrawals and possible penalties.

The benefit of the Roth account is from tax-free capital gains. The net benefit of the traditional account is the sum of (1) a possible bonus (or penalty) from withdrawals at tax rates lower (or higher) than at contribution, and (2) the impact on qualification for other income-tested programs from contributions and withdrawals reducing and adding to taxable income, minus the consequences of capital gains being taxed at regular income rates.

As of 2019, 401(k) plans had US$6.4 trillion in assets.

https://en.wikipedia.org/wiki/401(k)

Ejemplos de uso de 401(k)

1. One solution: mandatory 401(k)s Most companies offering 401(k)s make participation voluntary.

2. Democrats said their plan would "increase 401(k) benefits by triggering the employer–match for 401(k) accounts sooner."

3. By Steve Dinnen Q: My employer has given us the choice to switch from a traditional 401(k) retirement savings plan to a Roth 401(k) plan.

4. In its own stock, a favorite 401(k) investment option?

5. In general, 401(k)s are cheaper for corporations.