投资理财 美国401K退休金 8问8答 养老金账户详细介绍 小白必看 (下集) - YouTube

Hello Big Mac here! Welcome back to our channel

In previous video we chatted about 401K

If you have not watched that one

welcome to watch that first

Today we continue this topic

All about 401K

When the company said that

they provide 4% Matching Dollar-to-dollar

What does it mean?

It means that , each month

when you put money in your 401K account

company will give you some extra bonus payment

with subsidy limit is 4% of your pre-tax salary

also known as 4% Matching

that dollar-to-dollar of this means is that when you put a dollar

that the company will give you a dollar

let's use a chart to see

now, such as your annual salary is $ 100,000; then you say that our company Policy is

4% Dollar-to-dollar matching

that you decided to spend 4%, which means you save

$ 4000 a year to your 401K account

that the company will give you 4% that is in you to give you

a total of just 4000 so ah 8000 will be

that if you decide to vote means you save 5% a year from 5000 to your 401K account of

the company that it

will give you deposit $ 4000 according to 4% Dollar-to-Dollar

a year that you can get it 4000 plus 5000 equals $ 9000

that that part of it more than 4% of the company will no longer be compensated for

that if you decide to vote only 3% a year that is coming to you inside your 401K

memory 3000 knife

that the company will only give you 3% subsidies ah this is the year 3000 knife

it you can get a total of 6000 knife

this is called "Up to 4%, dollar to dollar matching" 4%

is here that the upper limit

of the company as a small summer ah actually benefits their company is better ah

his company is 5% dollar to dollar matching

that do not want to vote for a penny employees

that their company will then give you two percent white to your 401K account

that is to say ah, if pre-tax wages in their company 100,000

penny even if you do not vote

(wage) is not divided 401K inside it a year you can get $ 2000 that can be white

like my previous company ah actually on welfare is far worse than this,

we are 4% Dollar to 50 cents matching

this is what does it mean

to say ah my company gave me a dollar to vote 5 hair subsidy

that if my gross salary is $ 100,000 I voted 4%

4% 4000 is $ 4000 which is

the company that it will only give I grant that

2000 is even more general welfare of the company

in fact is in the company's compensation system 401K a very important part of

this is your welfare

when you pre-entry ah these things are sure to

polish your eye on a good

company that we Does the Matching provided count in 19500?

The question was a very good

company matching is not in the IRS Limitation of which

is the IRS 19500 This Bar (upper limit) Limitation

just means that if you deposit the full 401k 19500

Company under the matching such as

personal deposit component more give you $ 5000

of your account it will become $ 24500

to speak to the principal, although overall costs have exceeded the limit of 19500 IRS

but part of your personal investment did not exceed

so it's entirely possible it is perfectly legal co

How much should I vote for the regulated 401K?

It feels depends on the

person, but I take my own example ah

my bottom line is matching a portion of at least the company should take full eat at least

means that if the company gave me matching4% invested in me

that I am at least 4%

this is my graduation after six years of working individuals and this is the

kind of investment money is white not take white will not take ah

ah students and we think

this is a 100% return rate of return on

my investment company and then $ 4000 $ 4000 white gave me much good ah

now I need

my money to buy a car Quxi I can get out ahead of the 401k it

possible there is a word called the Hard Withdraw

401K still your money when you want to take

but when you are taken out

401K will follow when you were this income to pay taxes

or before we take this example to say part Xiao Ming, ah

one day he suddenly decided to do a single dog to marry his

wife decided to give some of the money taken

401K this part of the money will come out in accordance with the 8.63% rate before him to pay taxes while

the tax rate is still relatively

high, ah he needed to pay an additional 10% penalty tax

provisions of the Internal Revenue Service IRS here is part of a special case

without pay this 10% penalty tax

over here I'll give you a brief list of about

401K taken out in advance and do not need to pay 10% of the punitive tax ah

basically, I think now we are most apt is this Roll Over

this in fact, what we have already mentioned

that if you switched to a new job you put your old 401K accounts from the old employer to the new employer under

this action is not required to pay any penalty and income tax

on the issue of video after all, there are other cases where it

then you have nothing to take out

some of the more extreme examples thing as disability divorce or even death Si

in fact, we can see here ah

majority can be taken out in advance and not have to pay penalty taxes not a good thing

IRS IRS says this design it is actually

the owner of the account 401K burst when some extreme cases

in urgent need of money intended to be used in order to get money out of

them (IRS) it also wanted everyone to do more do not keep some pension

before retirement is to put all the pension spent

and that is why some students for the deposit does not exist 401k is actually very

hesitant, after all, some people are going to end it here or

in the United States after working for several years to return

that may exist much 401K or some people simply do not exist this is human nature

is well understood

in short, in most cases

taken out ahead of their 401K is possible

but to pay a fine

so yeah we must be very prudent

to ask the history of the last 401K to you a brief introduction chant

401k fact that history is not long ah

it was in 1978 before the introduction of a

law to January 1, 1980 was officially implemented

to count today, in fact, only a short 40-year history

of the law In the beginning it was just for those executives of the company's year-end awards

means is that they can put into a year-end awards a special tax account

and then wait for them to reach retirement age ah then taken out

but for the general public of the work in fact, this is it

and there is no use ah

because not everyone has such a large generous year-end awards to enjoy tax benefits

so in 1981, when the United States Internal Revenue Service on the amendment of this law

represents the general staff can also be saved to a specific part of the wages of such a tax

until the retirement age of the

account and then take out

the 401K is the prototype of

this amendment that was true for the majority of the staff opens the door to

become today we are familiar today that

401k Let's introduce it to 401K on here

me over here to give you a little video trailer

of the next issue I'll chat it up with everyone

401K money should be used to buy what kind of fund

have any special needs Note

that matters to 401K if you have any other problem that way

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