By Paul Katzeff
AARP electronic variants provide you with functional guidance, confirmed options, and professional assistance.
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Extra resources for AARP Getting Started in Rebuilding Your 401(k) Account
So it’s helpful that assets in a 401(k) account are generally shielded by federal law from any creditors you may have. Your IRA assets enjoy federal protection only if you declare bankruptcy. Some, but not all, states also declare IRA assets beyond the reach of creditors. What if your employer tumbles into bankruptcy? All your 401(k) money stays safely yours. That’s not the case with traditional pension plans. Even though the Pension Benefit Guaranty Corporation can step in when a business goes bust, workers may never get the full value of their pension.
Withdrawals from a Roth 401(k) are not taxable. That’s because you already paid tax on the money before it went into the account. Withdrawals from a regular 401(k) are taxable. Roth 401(k) accounts are discussed in detail in Chapter 10. Additional After-Tax Account Options Some plans let you make non-Roth after-tax contributions. Why bother? After all, they don’t lower your taxable income in the current year. But such so-called nondeductible accounts give you another way to invest money so its earnings grow on a tax-deferred basis.
Just a bunch of fuzzy numbers to you? If all those decimals and percentages just give you a headache and a stomach-jotting flashback to eighth-grade algebra class, think of them this way: Rank-and-file workers voluntarily increased their contributions by roughly 30 percent. Would you voluntarily jack up your home mortgage payments by that much? Or your weekly grocery bill? That shows commitment. People understand the payback benefit. For that reason, more people have been hopping onto the 401(k) plan bandwagon.