{"id":26441,"date":"2022-09-28T00:53:04","date_gmt":"2022-09-28T00:53:04","guid":{"rendered":"https:\/\/c1mdevsite.com\/braunability.com\/5-ways-to-make-the-most-out-of-your-401k-plan\/"},"modified":"2022-09-28T00:53:04","modified_gmt":"2022-09-28T00:53:04","slug":"5-ways-to-make-the-most-out-of-your-401k-plan","status":"publish","type":"post","link":"https:\/\/c1mdevsite.com\/mdctraining.ca\/5-ways-to-make-the-most-out-of-your-401k-plan\/","title":{"rendered":"5 Ways to Make the Most Out of Your 401K Plan\u202f"},"content":{"rendered":"<div><img decoding=\"async\" width=\"768\" height=\"513\" src=\"https:\/\/c1mdevsite.com\/mdctraining.ca\/wp-content\/uploads\/2022\/09\/pexels-towfiqu-barbhuiya-9929281-scaled-e1664204969516-768x513-1.jpg\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"woman holding a jar with money\" style=\"display: block; margin-bottom: 5px; clear:both;max-width: 100%;\" link_thumbnail=\"\" loading=\"lazy\" srcset=\"https:\/\/c1mdevsite.com\/mdctraining.ca\/wp-content\/uploads\/2022\/09\/pexels-towfiqu-barbhuiya-9929281-scaled-e1664204969516-768x513-1.jpg 768w, https:\/\/watershardy.com\/wp-content\/uploads\/2022\/09\/pexels-towfiqu-barbhuiya-9929281-scaled-e1664204969516-300x200.jpg 300w, https:\/\/watershardy.com\/wp-content\/uploads\/2022\/09\/pexels-towfiqu-barbhuiya-9929281-scaled-e1664204969516.jpg 800w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\"><\/p>\n<p><span data-contrast=\"none\">You\u2019ve heard of a 401k plan, and chances are you may even already have one of these retirement plans in place. But, do you understand how a 401k works? If you don\u2019t, you could miss out on some of the advantages that a 401k plan offers. <strong>The more you know about your 401k and how to manage it, the more you can reap the benefits of your plan in your retirement.\u00a0<\/strong><\/span><strong>\u00a0<\/strong><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">At <a href=\"https:\/\/watershardy.com\/about\/\" target=\"_blank\" rel=\"noopener\">Waters Hardy<\/a>, we\u2019ve had many clients come to us for advice regarding smart 401k planning and tax compliance considerations. We offer complete tax preparation services including building a strategic 401k plan that will serve you faithfully throughout your retirement.\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\"><strong>\u00a0Here are five ways to make your 401k work for you today, tomorrow, and the future.<\/strong> <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-ccp-props=\"{}\">\u00a0<\/span><b><span data-contrast=\"none\">What is a 401k Plan?<\/span><\/b><span data-ccp-props='{\"469777462\":[2524],\"469777927\":[0],\"469777928\":[1]}'>\u00a0<\/span><\/h2>\n<p><span data-ccp-props='{\"469777462\":[2524],\"469777927\":[0],\"469777928\":[1]}'>\u00a0<\/span><span data-contrast=\"none\">A 401k plan is named after the section of the Internal Revenue Code that created this plan. It is a retirement savings plan that is an employee-funded defined-contribution (DC) plan that gives workers a tax-advantage in a way to save for retirement. With a 401k, employees have the option to contribute a percentage of their income to the plan. Contributions are automatically taken out of your paycheck and are tax deductible.<\/span><span data-ccp-props='{\"469777462\":[2524],\"469777927\":[0],\"469777928\":[1]}'>\u00a0<\/span><\/p>\n<h2><span data-ccp-props=\"{}\">\u00a0<\/span><b><span data-contrast=\"none\">Different Advantages of a 401k Plan\u00a0<\/span><\/b><span data-ccp-props='{\"134233117\":false,\"134233118\":false,\"201341983\":0,\"335551550\":1,\"335551620\":1,\"335559685\":0,\"335559737\":0,\"335559738\":0,\"335559739\":0,\"335559740\":259}'>\u00a0<\/span><\/h2>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props='{\"335552541\":1,\"335559684\":-2,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"hybridMultilevel\"}' aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">401k Taxes<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">Any contributions you make to a traditional 401k are taken directly out of your paycheck before federal income taxes are withheld. This lowers your taxable income and may even put you in a lower tax bracket. Additionally, your 401k earnings accrue on a tax-deferred basis, meaning the dividends and capital gains that accumulate inside your 401k are also not subject to tax until you begin withdrawals. The idea behind the plan was that in retirement, you\u2019ll likely be in a lower tax bracket than if you were taxed on the money now.<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props='{\"335552541\":1,\"335559684\":-2,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"hybridMultilevel\"}' aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">401k Match<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">Some employers offer to match the amount you contribute to your 401k. Some even offer a profit-sharing feature that contributes to your 401k exactly what it says, a portion of the company\u2019s profits. Taking it one step further, some companies even match your contributions dollar-for-dollar for up to the first 6%.<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<ul>\n<li>\n<h3><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><b><span data-contrast=\"none\">401k Contribution Limits<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">A 401k plan saves you much more money than an IRA from year to year. For 2022, the limit is $61,000. However, this doesn\u2019t count the additional $6,500 catch-up amount for those aged 50 and older.\u00a0<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props='{\"335552541\":1,\"335559684\":-2,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"hybridMultilevel\"}' aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">401k Contributions After Age 72<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Unlike other retirement accounts, you can continue to contribute to your 401k past the age of 72. Also, along with a 401k, if you\u2019re still working, you aren\u2019t obligated to take mandatory distributions from the plan, provided you own less than 5% of the business that employs you.\u00a0<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props='{\"335552541\":1,\"335559684\":-2,\"335559685\":720,\"335559991\":360,\"469769226\":\"Symbol\",\"469769242\":[8226],\"469777803\":\"left\",\"469777804\":\"\uf0b7\",\"469777815\":\"hybridMultilevel\"}' aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">\n<h3><b><span data-contrast=\"none\">Creditor Protection<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">Set up under the Employee Retirement Income Security Act (ERISA), 401k plans are generally protected from judgment creditors. Since the 401k plans legally belong to your employer, it is more difficult for the IRS to place a lien on the account, offering you protection from federal tax liens.<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">5 Ways to Make Your 401k Work for YOU<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2>\n<p><strong>1. Save as Much as Possible Today \u00a0<\/strong><\/p>\n<p><span data-contrast=\"none\">Most financial planners agree that you need to save 10% to 20% of your total earned income each year to maintain the same lifestyle during retirement. The best day to start saving is today!<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<ul>\n<li>Compound interest<\/li>\n<\/ul>\n<p><span data-contrast=\"none\">The earlier you start, the more time you give your money to grow. For example, just by starting to contribute ten years sooner than you might have otherwise, you can save nearly twice as much if you had waited to start saving.<\/span><span data-ccp-props='{\"335559685\":1440,\"335559731\":720}'>\u00a0<\/span><\/p>\n<ul>\n<li>\u00a0Saving is a habit<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">While you might not think you can afford to contribute any of your income initially, give it a try even if it\u2019s a small amount. Eventually, it becomes a habit, and you won\u2019t even think about it every month.\u00a0 It will feel good to see your account balance grow, and then you\u2019ll want to keep contributing.<\/span><span data-ccp-props='{\"335559685\":1440}'>\u00a0<\/span><\/p>\n<p><strong>2.\u00a0 <\/strong><b><span data-contrast=\"none\"><strong>T<\/strong>ake Full Advantage of Your Company\u2019s Match\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><span data-contrast=\"none\">If you can\u2019t maximize your annual contribution, put in enough money to benefit from a full company match. When your company matches you, it\u2019s like getting free money. If you\u2019re not meeting the company match, you could leave a lot of money on the table. The amount could directly impact your retirement lifestyle.\u00a0<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<p><strong>3.\u00a0 <\/strong><b><span data-contrast=\"none\"><strong>Av<\/strong>oid Early Withdrawals<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">If you withdraw money from your 401k before the age of 59\u00bd, you will have to pay income tax on the amount you withdraw. Which is a 10% early withdrawal penalty, and you lose the potential of compound interest. Depending on your tax bracket, this could cut your withdrawal in half! Even if you leave a company, transferring your 401k over to your new company is a better option than withdrawing early.<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">4. Make Future Increases to Your Savings <\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><span data-contrast=\"none\">Even if you can\u2019t afford to max out your contributions, make sure you at least increase the amount you contribute from year to year. One great benefit of 401k plans is that you can change your mind or update the contribution amount at any time. So, even if it\u2019s small and gradual, set a goal of increasing your savings amount every year.<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<p><strong>\u00a05. <\/strong><b><span data-contrast=\"none\"><strong>Ch<\/strong>oose the Right Investment Mix for Your Situation\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">Choose asset allocations that match your comfort level with risk as an investor with your investment timeline. By choosing to invest in a mix of stock and bond funds, you can minimize the risk of losing some of your 401k funds. Additionally, periodically rebalance your portfolio to ensure proper asset allocation.<\/span><span data-ccp-props='{\"335559685\":720}'>\u00a0<\/span><\/p>\n<h2><span data-ccp-props=\"{}\">\u00a0<\/span><b><span data-contrast=\"none\">Waters Hardy is Your Trusted Partner for Your Finances\u00a0<\/span><\/b><span data-ccp-props='{\"134233117\":false,\"134233118\":false,\"201341983\":0,\"335551550\":1,\"335551620\":1,\"335559685\":0,\"335559737\":0,\"335559738\":0,\"335559739\":0,\"335559740\":259}'>\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">Contribution limits, tax advantages, and your financial situation make it imperative that you regularly review your 401k plan\u2019s performance and make changes to suit your needs better. This can be an overwhelming responsibility for many, especially considering the importance of keeping up with tax compliance and regulations changes.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><strong>\u00a0<\/strong><span data-contrast=\"none\"><strong>A professional tax advisor can help you create a 401k plan and tax strategy that aligns with your retirement goals.<\/strong> The experts at Waters Hardy have a trusted reputation for partnering with clients to provide complete tax planning advice about optimizing your retirement savings plan.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"none\">Let\u2019s discuss how we can help you develop a clearly defined 401k retirement plan that is strong, dependable, and customized to fit your needs.<a href=\"https:\/\/watershardy.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\"> Contact us today.\u00a0<\/a><\/span><span data-ccp-props=\"{}\"> \u00a0<\/span><\/p>\n<p>The post <a rel=\"nofollow\" href=\"https:\/\/watershardy.com\/make-the-most-out-of-your-401k-plan\/\">5 Ways to Make the Most Out of Your 401K Plan\u202f<\/a> appeared first on <a rel=\"nofollow\" href=\"https:\/\/watershardy.com\/\">Waters Hardy and Co. P.C.<\/a>.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019ve heard of a 401k plan, and chances are you may even already have one of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-26441","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Ways to Make the Most Out of Your 401K Plan\u202f - MDC Training<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Ways to Make the Most Out of Your 401K Plan\u202f - 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