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• Other Retirement Plans
  On top of mutual funds, stocks, and bonds which you can purchase directly in your retirement plan, IRA, there are other investments which you may want to consider. These other investments serve different purposes to the conventional stocks, bonds, and mutual funds.
  Other_Retirement_Plans.html

• Annuities
  Annuities are issued by a life insurance company, an annuity contract allows you to accumulate money for long-term goals. Unlike IRA s and employer retirement plans, there are no limits on the amount you can contribute to an annuity. It can be an excellent supplemental retirement savings vehicle and offers a range of other benefits, including: tax deferral. Instead of paying taxes on your investment earnings each year, they grow tax deferred until withdrawal.
  Annuities.html

• Retirement Benefits
  The tax law encourages employers to contribute to the Retirement plans of their employees. The employers are able to claim a current tax deduction for their contributions into these retirement funds.
  Retirement_Benefits.html

• Reporting Retirement Distributions
  Distributions from most retirement plans are reported to you on the tax form 1099-R, Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. Below is a sample copy of the 1099-R form and explanations of what each box of the 1099-R form means.
  Reporting_Retirement_Distributions.html
• Pensions and Annuities
  Generally, pensions and annuities provide cash payments to you after retirement. The term of the payments may be for life or for a fixed time period.
  Pensions_and_Annuities.html
• The Simplified Method
  Using the Simplified Method, you figure the tax free part of each monthly annuity payment by dividing your cost by the total number of expected monthly payments.
  The_Simplified_Method.html
• Elective Deferrals
  If you are covered by certain kinds of retirement plans, you can choose to have part of your compensation contributed by your employer to a retirement fund, rather than have it paid to you.
  Elective_Deferrals.html
• Lump Sum Distributions
  A Lump Sum Distribution is the distribution or payment in one tax year of your entire balance from all of your employer's qualified retirement plans of one kind (for example pension, stock bonus or profit sharing plans).
  Lump_Sum_Distributions.html
• Minimum Distributions
  How does the minimum distributions from retirement plans work? You are required to receive a minimum distribution from many retirement plans.
  Minimum_Distributions.html
• Rollovers
  If you change jobs, your employer retirement plan may also end with your employment and the employer may issue you a distribution. You may receive the total distribution of your retirement fund or you may transfer it into another qualified retirement plan called a rollover.
  Rollovers.html
• Early Distributions
  You may decide to receive a cash distribution of some or all of your money in a retirement plan prior to reaching age 59½. If you do, you are usually subject to an additional tax of 10% on the taxable part of the distribution.
  Early_Distributions.html
• Early Withdrawals Exceptions
  What are the exceptions to the 10 % penalty on early distributions? The early withdrawals exceptions in which the 10 % additional tax does not apply include the followings.
  Early_Withdrawals_Exceptions.html
• Disability Income
  Generally, if you retire on disability, you must report your pension or annuity as income. Your disability payments are taxed as wages until you reach the minimum retirement age set by your employer.
  Disability_Income.html

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