T H E U LT I M AT E G U I D E T O G E T T I N G M O R E

F R O M Y O U R 4 0 1 K P L A N

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TIP 1

FREE MONEY! Every company is different, but most-if not

all-will match your contributions.

TIP 2

KNOW THY FEES. Money lost to fees is gone forever and you

can’t enjoy the power of compounding.

TIP 3

YOUR 401K IS ACTUALLY FOR YOUR RETIREMENT.

TIP 4

WHAT IS VESTING? Working long enough in order to claim the

full amount your company matches.

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WHAT IS A ROTH 401K? You can pay the taxes up front and then take

your withdrawals tax-free in retirement.

TIP 6

DO THE RESEARCH. Research your investment options. A great

place to start is morningstar.com.

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GOOD ADVICE WILL PAY FOR ITSELF IN SPADES.

TIP 8

SUDDENLY REALIZED THAT YOU WON’T HAVE ENOUGH MONEY FOR YOUR

RETIREMENT? It’s not too late.

TIP 9

STAY INFORMED. Your 401k is not something to sign up

for and forget.

TIP 10

CHANGING JOBS? Don’t cash out. Check out what the damage

is for that early cash out.

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ROLL WITH IT. Got a new job? Roll your old 401k into an IRA for more control in your investments.

TIP 12

OR DON’T ROLL WITH IT. If you are happy with your 401k plan.

Leave it there.

SO. WHAT ARE WE SAYING?Nurture your retirement fund.

Look closely at investment fund ratios. Don’t forget about your 401k plan, don’t cash in, consider tax.

Think about your 401k when your are changing jobs.

For more information about our services go to pathwayplanning.com