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401(k) Plans Here To Stay

401(k) Plans are here to stay

When companies started 401(k) plans in the early 1980’s and they grew in popularity, conventional wisdom emerged that it would serve as a panacea to help seniors in retirement. Company pensions were on the way out and the investment vehicle under the IRS code enabled income to be removed from paychecks pre-tax and have it matched by employers. In an era many worried about the future of Social Security being there in full, the 401(k) would be perfect for the baby boomer retirees of the future.

The investment plans, however, aren’t viewed by some in the same way today. The 401(k) experiment has been called a disaster by some who say with a combination of the retirement plans and Social Security, baby boomers haven’t saved enough and won’t be able to maintain their existing lifestyles in retirement. That will mean a smaller home, cheaper apartment for those who rent and even the need for some to keep working when they hadn’t planned to do so.

The plans have also come under fire by some because of their hidden fees that many 401(k) participants didn’t even know they were paying. During the Great Recession, many firms eliminated their contribution to the plans, cut them back or ended the plans all together.

Despite some people questioning the relevancy of the investment vehicles, financial analysts said they won’t become obsolete and will continue to remain important for retirement planning.

I think a 401(k) is one of the great options that you have as an employee and whether you’re older or young, it’s important to have a long-term investment vehicle to save for retirement,” says Audry Baptiste, president of the Financial Planning Association of Nevada. “There’s a lot in the news that relates to their relevancy, but I don’t think they’re going anywhere. I have stressed that it’s important to contribute to a 401(k), especially if the employer is contributing. You have to take advantage of the free money. You’re not only saving for retirement, but getting the advantage of saving on taxes through tax deferrals.”

A few companies may do a 100 percent match up to 6 percent of the income contributed by the employee but many do either 50 percent of 6 percent or 100 percent up to 3 percent, said Scott  Thoma, an investment strategist at the St. Louis headquarters of Edward Jones. While many analysts say many employees fail to participate or don’t contribute enough in their plans, there are plenty who take advantage of them and that should keep 401(k) plans and important part of anyone’s retirement strategy in the future.

One of the biggest threats to 401(k) participation came during the recession in 2008 and 2009 when some companies stopped matching employee contributions as a way to cut expenses during the economic slowdown. Since the economy has rebounded, many firms have restarted their matches because they know it’s important to employees, and they want to retain them.

I’ve had some small business that have done away with them all together or still arent’t matching,” Baptiste says. “But most restarted them when the economy improved because in order to maintain a qualified workforce and encourage people to stay.

What many Americans nearing retirmement or who have retired have missed out on was the creation of the Roth 401(k) in 2006 that enabled employees to make contributions to the plans after they’ve been taxed. Instead of getting taxed on proceeds when they’re removed from the 401(k) starting at 59.5, those proceeds grow tax free under the Roth 401(k).

Younger employees have taken advantage of that investment vehicle the most because many are in a lower tax bracket today and stand to benefit the most when the most if they retire at a higher tax bracket, Thoma says. There are benefits to have retirement accounts that are both tax free and tax deferred, he says.

If you can tell me what tax rates are going to be, then I can tell you which one is the most important to be in,” Thoma says. “If you know 100 percent your tax rate in retirement is going to be lower than what it is now—if you’re at a 25 percent or 35 percent tax bracket today and in retirement you think you’re going to be at 15 percent—continue to put one in a traditional 401(k) because the deduction today is worth more than than taxes you’re paying in retirement. Don’t use a Roth.

When people remove money from their retirement accounts, it’s great to have flexibility between tax deferred accounts and those that aren’t, Thoma says. In a year, a person doesn’t take a lot of deductions, it’s best to remove money from a Roth account. It’s great to have flexibility depending on what the tax rates are, he says.

Roth 401(k) is not a younger versus older decision, but it’s about looking at tax rates pre-retirement and post-retirement,” Thoma says. “It’s impossible to predict, but it’s important to have flexibility.

Some seniors are taking advantage of the opportunity to catch up on their 401(k) before they retire, Baptiste says. Rather than only contributing the $17,500 limit, they’re allowed to add $5,500 a year once they reach 50.

People are doing it if their financial siutation allows it,” Baptiste says. “Someone earning $50,000 a year isn’t able to save the maximum, but those making six figures a year can without a dent in their lifestyle.

While people have to wait until their 59.5 to take out funds from their 401(k) without facing a ten percent penalty, some choose to do an early withdrawal without penalty if they retire from their company at 55, Thoma says.

It’s best to allow the money to grow as long as possible, especially for those who continue to work or don’t need extra funds for retirement and don’t want to get pushed into a higher tax bracket, the federal governmetn requires people to begin taking money out of the retirement accounts at 70.5.

If they don’t cash out the assets, many people leave the money in their former employer’s plan, transfer the assets into an IRA account. Many choose the IRA route because adults have more investment choices that are dictated by them instead of the employer plan.

You see people move it when they want to have more investment options and buy individual stocks or bonds or work with a financial advisor,” Thoma says. “There’s always going to be some trade off. You have to look at fees and expenses, but you have to understand what you’re receiving.

There have been changes in the 401(k) industry that’s requiring more disclosure and full transparency of underlying fees, but that awareness will help employers shop around for the best plans that employees want, Baptiste says. The 401(k) will remain an important option to people to invest because of the importance it’s serving many Americans now in supplementing their living expenses, he says.

No matter what you hear, the 401(k) isn’t going anywhere,” Baptiste says.

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    I want to pass along some very important news that everyone needs to hear!

    In December of 2017, Donald Trump made history by recognizing Jerusalem as the capital of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    Jewish Rabbis have publicly announced that their Messiah will be revealed in the coming years who will be a leader and spiritual guide to all nations, gathering all religions under the worship of one God.

    Biblical prophecy tells us that this Jewish Messiah who will take the stage will be the antichrist “who opposes and exalts himself above all that is called God or that is worshiped, so that he sits as God in the temple of God, showing himself that he is God” (2 Thessalonians 2:4). For a time he will bring about a false peace, but “Therefore when you see the ‘abomination of desolation,’ spoken of by Daniel the prophet, standing in the holy place (Matthew 24:15)…then there will be great tribulation, such as has not been since the beginning of the world until this time, no, nor ever shall be” (Matthew 24:21).

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically in Revelation 13:16-18:

    “He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.”

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. This Mark couldn’t be spiritual because the word references two different physical locations. If it was spiritual it would just say in the forehead. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it. Revelation 13:11-18 tells us that a false prophet will arise on the world scene doing miracles before men, deceiving them to receive this Mark. Do not be deceived! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we needed two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

    Visit http://WWW.BIBLEFREEDOM.COM to see proof for these things and why the Bible truly is the word of God!

    If you haven’t already, it is time to seek God with all your heart. Jesus loves you more than you could imagine. He wants to have a relationship with you and redeem you from your sins. Turn to Him and repent while there is still hope! This is forever…God bless!

    “EITHER HUMAN INTELLIGENCE ULTIMATELY OWES ITS ORIGIN TO MINDLESS MATTER OR THERE IS A CREATOR…” – JOHN LENNOX

    We all know God exists. Why? Because without Him, we couldn’t prove anything at all. Do we live our lives as if we cannot know anything? No. So why is God necessary? In order to know anything for certain, you would have to know everything, or have revelation from somebody who does. Who is capable of knowing everything? God. So to know anything, you would have to be God, or know God.

    A worldview without God cannot account for the uniformity and intelligibility of nature. And why is it that we can even reason that God is the best explanation for this if there is no God? We are given reason to know or reject God, but never to know that He does not exist.

    It has been calculated by Roger Penrose that the odds of the initial conditions for the big bang to produce the universe that we see to be a number so big, that we could put a zero on every particle in the universe, and even that would not be enough to use every zero. What are the odds that God created the universe? Odds are no such thing. Who of you would gamble your life on one coin flip?

    Is there evidence that the Bible is the truth? Yes. Did you know that the creation accounts listed in the book of Genesis are not only all correct, but are also in the correct chronological order? That the Bible doesn’t say the Earth was formed in six 24-hour days but rather six long but finite periods of time? That the Bible makes 10 times more creation claims than all major “holy” books combined with no contradictions, while these other books have errors in them? The Bible stood alone by concurring with the big bang saying, “In the beginning God created the heaven and the earth” (Genesis 1:1); and says our universe is expanding, thousands of years before scientists discovered these things. Watch a potential life-changing video on the website listed below with Astronomer(PhD) Hugh Ross explaining all these facts based on published scientific data. He has authored many books, backed even by atheist scientists.

    Jesus came to pay a debt that we could not; to be our legal justifier to reconcile us back to a Holy God; only if we are willing to receive Him: “For the wages of sin is death…” (Romans 6:23).

    God so loved the world that He gave us His only begotten son, so that whoever believes in Him, through faith, shall not perish, but have everlasting life. Jesus says if we wish to enter into life to keep the commands! The two greatest commands are to love God with all your heart, soul, strength, and mind; and your neighbor as yourself. All the law hang on these commands. We must be born of and lead by the Holy Spirit, to be called children of God, to inherit the kingdom. If we are willing to humble ourselves in prayer to Jesus, to confess and forsake our sins, He is willing to give the Holy Spirit to those who keep asking of Him; giving us a new heart, leading us into all truth!

    Jesus came to free us from the bondage of sin. The everlasting fire was prepared for the devil and his angels due to disobedience to God’s law. If we do the same, what makes us any different than the devil? Jesus says unless we repent, we shall perish. For sin is the transgression of the law. We must walk in the Spirit so we may not fulfill the lusts of the flesh, being hatred, fornication, drunkenness and the like. Whoever practices such things will not inherit the kingdom (Galatians 5:16-26). If we sin, we may come before Jesus to ask for forgiveness (1 John 2:1-2). Evil thoughts are not sins, but rather temptations. It is not until these thoughts conceive and give birth by our own desires that they become sin (James 1:12-15). When we sin, we become in the likeness of the devil’s image, for he who sins is of the devil (1 John 3:8); but if we obey Jesus, in the image of God. For without holiness, we shall not see the Lord (Hebrews 12:14).

    The oldest religion in the world is holiness through faith (James 1:27). What religion did Adam and Eve follow before the fall? Jesus, Who became the last Adam, what religion does He follow? Is He not holy? He never told us to follow the rituals and traditions of man but to take up our cross and follow Him (Luke 9:23). There are many false doctrines being taught leading people astray. This is why we need the Holy Spirit for discernment. Unlike religion, holiness cannot be created. It is given to us from above by the baptism of the Spirit. Jesus is more than a religion; He is about having a personal relationship with the Father. Start by reading the Gospel of Matthew, to hear the words of God, to know His character and commandments. Follow and obey Jesus, for He is the way, the truth, and the life!

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