401K Rollover To IRA Option

Advantages to a 401k Plan
• The employee decides how much money to enter into the plan, which makes the employee responsible for his or her own future.
• Any earnings in your 401k account grow tax deferred. Since earnings are not taxed until they are withdrawn there are more real dollars working in your investments.
• A typical 401k plan provides the employee with a number of different investment options, allowing them to be as conservative or as radical with their savings as they want.
• Employees have the ability to "roll over" their savings if they decide to leave their current employer for a new job, so none of their savings is lost.
• Employers may provide "matching funds," meaning the employer puts in a percentage of what you have already added to your 401(k) plan.
• Automatic payroll deductions make saving for retirement easy. You are less likely to miss money you never see.

"We owe it to those who will retire after the turn of the century to be given sufficient advance notice to make what alterations in retirement planning may be required. The longer we wait to make what are surely inevitable adjustments, the more difficult they will become."

-Alan Greenspan, Chairman, Federal Reserve Board

The average American today cannot expect to retire on Social Security alone. This is the point Allen Greenspan was trying to promote in his address to the country. Instead Americans must look for alternative solutions when planning their retirement. The 401k plan is the option most employees are choosing when it comes to saving for their retirement. In fact, according to the PCSA (Profit Sharing/ 401k Council of America), Americans have more than 1.5 trillion dollars invested in 401k plans.

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