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by Ted Benna (Author), Brenda Watson Newmann (With)
From the basics down to investing, get the most out of your 401(k) and IRA in any economic environment
When you're ready to start setting aside (or withdrawing) money for your retirement--whenever that might be--401(k)s & IRAs For Dummies is here for you! It covers both types of retirement plans because they each have valuable tax benefits, and you may be able to contribute to both at the same time. With the practical advice in this book, you learn how to manage your accounts, minimize your investment risk, and maximize your returns. Sounds like a win-win, no matter your situation or where you're at in life.
Written by a well-known expert and 'father of the 401 (k)', Ted Benna, 401(k)s & IRAs For Dummies helps you keep up with the ever-changing rules surrounding both retirement plans--including the rules from the SECURE and CARES Acts--and avoid the mistakes that can lead to higher taxes and penalties. Additional topics include:
- Tax strategies before and after retirement
- Required distributions and how much you need to take
- Penalties for taking money out early and how to avoid them
- What happens to your or your spouse's retirement plan after death or divorce
- The rules for taking money out of an inherited plan
- Methods for calculating required minimum distributions
- Special tax benefits for conversions to Roth IRAs
- How to recharacterize IRA or Roth contributions
- Why IRA based plans are a better options for many small employers
- Helping solo entrepreneurs and other small businesses pick the right type of plan
Whether you're just starting to think about a retirement plan, planning when to retire, or you're facing retirement, you'll find useful and practical guidance in 401(k)s & IRAs For Dummies. Get your copy today!
Front Jacket
Craft a solid retirement plan at any age
One day, the fantasy will become a reality: Work will be a thing of the past. When that day comes, you'll be ready, thanks to 401(k)s & IRAs For Dummies. This is the only guide you need to take advantage of these popular savings plans. Inside, you'll find clear explanations of your available choices, easy-to-understand info that will cure your tax headache, and the latest on changing rules and regs. Do a little math now, with a lot of help from Dummies, and before you know it you'll be kicking your feet back and watching the distributions roll in.
Inside...
- Early-life saving strategies
- Ideas for a comfortable retirement
- Traditional and Roth IRAs
- Tax benefits and penalties, explained
- Mandatory withdrawal rules
- Tips for calculating distributions
- Inherited and joint plans
- Help with planning ahead
Author Biography
Ted Benna is commonly referred to as the "father of 401(k)" because he created and gained IRS approval of the first 401(k) savings plan.
Brenda Watson Newmann began her career as an Associated Press foreign correspondent and later moved to Silicon Valley as Managing Editor at 401k Forum/mPower.
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