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John Wiley - 401(k)S & Iras for Dummies

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John Wiley 401(k)S & Iras for Dummies
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From the basics down to investing, get the most out of your 401(k) and IRA in any economic environment When youre ready to start setting aside (or withdrawing) money for your retirement--whenever that might be--401(k)s & IRAs For Dummies is here for you! It covers both types of retirement plans because they each have valuable tax benefits, and you may be able to contribute to both at the same time. With the practical advice in this book, you learn how to manage your accounts, minimize your investment risk, and maximize your returns. Sounds like a win-win, no matter your situation or where youre at in life.Written by a well-known expert and father of the 401 (k), Ted Benna, 401(k)s & IRAs For Dummies helps you keep up with the ever-changing rules surrounding both retirement plans--including the rules from the SECURE and CARES Acts--and avoid the mistakes that can lead to higher taxes and penalties. Additional topics include:Tax strategies before and after retirement Required distributions and how much you need to take Penalties for taking money out early and how to avoid them What happens to your or your spouses retirement plan after death or divorce The rules for taking money out of an inherited plan Methods for calculating required minimum distributions Special tax benefits for conversions to Roth IRAs How to recharacterize IRA or Roth contributions Why IRA based plans are a better options for many small employers Helping solo entrepreneurs and other small businesses pick the right type of plan Whether youre just starting to think about a retirement plan, planning when to retire, or youre facing retirement, youll find useful and practical guidance in 401(k)s & IRAs For Dummies. Get your copy today!

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401ks IRAs For Dummies Published by John Wiley Sons Inc 111 River - photo 1

401ks IRAs For Dummies Published by John Wiley Sons Inc 111 River - photo 2

401(k)s & IRAs For Dummies

Published by:

John Wiley & Sons, Inc.

111 River Street

Hoboken, NJ 07030-5774

www.wiley.com

Copyright 2022 by John Wiley & Sons, Inc., Hoboken, New Jersey

Published by John Wiley & Sons, Inc., Hoboken, New Jersey

Published simultaneously in Canada

No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the Publisher. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/permissions .

Trademarks: Wiley, For Dummies, the Dummies Man logo, Dummies.com, Making Everything Easier, and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc., and may not be used without written permission. All other trademarks are the property of their respective owners. John Wiley & Sons, Inc., is not associated with any product or vendor mentioned in this book.

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Wiley publishes in a variety of print and electronic formats and by print-on-demand. Some material included with standard print versions of this book may not be included in e-books or in print-on-demand. If this book refers to media such as a CD or DVD that is not included in the version you purchased, you may download this material at http://booksupport.wiley.com . For more information about Wiley products, visit www.wiley.com .

Library of Congress Control Number: 2021946256

ISBN 978-1-119-81724-6 (pbk); ISBN 978-1-119-8725-3 (ebk); ISBN 978-1-119-81726-0 (ebk)

401(k)s & IRAs For Dummies
To view this book's Cheat Sheet, simply go to www.dummies.com and search for 401(k)s & IRAs For Dummies Cheat Sheet in the Search box.
Table of Contents
List of Tables
  1. Chapter 2
  2. Chapter 4
  3. Chapter 11
  4. Chapter 12
  5. Chapter 13
  6. Chapter 14
  7. Chapter 16
  8. Chapter 17
  9. Chapter 18
  10. Chapter 20
List of Illustrations
  1. Chapter 4
  2. Chapter 5
  3. Chapter 11
  4. Chapter 12
  5. Chapter 13
  6. Chapter 14
Guide
Pages
Introduction

Bumper stickers Id love to see: Id Rather Be Managing My 401(k) and Honk if you love your IRA. Made you snicker? I agree. Most of us have better things to do with our time than planning for retirement. You probably wouldnt rather be managing your retirement accounts youd rather take in a movie, watch a ball game, or pursue your favorite hobby. But its hard to enjoy yourself if youre plagued by a nagging worry that you could end up destitute in retirement. Spending some time thinking about and planning for your retirement can pay you big dividends down the road.

The concept of retirement has changed dramatically over the last decade or so. Social Security seems less than secure, and it was never meant to cover all your retirement needs, anyway. Most people cant count on receiving a traditional fixed pension from their employer. The burden of retirement planning falls squarely on your shoulders at a time when youre living longer and need more money to finance retirement.

I have good news for you. Although you do have to take responsibility for your own retirement saving, you dont have to let retirement planning take over your life. Investing a bit of time now in ways I explain in this book should enable you to eventually sit back and relax.

There are lots of places where you can find basic information about all the different types of 401(k) and IRA plans, but finding insight into which one may be best for your business is challenging. I include that in this book. I also include ways I have found to utilize these plans to provide benefits comparable to a 401(k) without all the fees and complications of a 401(k).

About This Book

Dont let the title fool you. 401(k)s and IRAs For Dummies is a useful book that explains the basic rules and even some obscure ones about various retirement account options. I include information thats completely up to date, including new rules that went into effect in 2020 with the enactment of the Secure Act, which adds some benefits to 401(k) plan participants. The CARES act was passed in 2020 in response to the COVID-19 crisis.

This book explains essential 401(k) and IRA rules in easy-to-understand language so that you can manage your retirement accounts in a way that leaves you better off in the long run.

This book also explains how to manage risk in your investments and minimize the chances of big losses.

I give examples to show why you should start saving for retirement as soon as you can, because the longer your money stays in your 401(k) and IRA, the bigger your potential nest egg. In fact, if you take only one message away from this book, I hope that its Save as much as you can as early as you can, and invest it sensibly.

I explain basic principles of long-term investing to help you decide which investment options are right for you. I also give you guidelines to figure out how much you need to save for retirement, and then, after you retire, how to manage withdrawals from your accounts so that your money can last. These are important concepts for 401(k) and IRA investors, but theyre equally important for everyone else.

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