Welcome to

401k, 403b, and Employer Retirement Plans

Resource Website

The rules regarding 401k plan, 403b plan, and other employer retirement plans can sometimes be complicated. Many employees invest in 401k offered by their employer without knowing

• what they are investing in,
• what mutual funds are good,
• what asset allocation they should be in,
• when can they withdraw their money,
• can they borrow against their 401k,
• what are the penalties,
• what happens to the 401k when they change jobs,
• what are the 401k rollover rules,
• etc etc

There are also investors who don't  know what an IRA is. They don't know that when they leave their jobs, they may be rolling over their 401k into an IRA.  

This website is dedicated to providing resources and explanations on 401, 403b, other employer retirement plans, and 401k rollover as well as IRA rollover rules. We also discuss the Internal Revenue Code concerning 401k contribution limits and 401k withdrawal rules, among other rules set forth by the Internal Revenue Code.

Doing research and finding out answers by yourself independently of what your company tells you or your employer retirement plan company tells you is very wise. It is important that you know what you are investing in your 401k or 403b and to be prepared for the 401k rollover or IRA rollover when the time comes. After all, when you are leaving the company, your company will refer you to the retirement plan provider such as Fidelity. And, guess what the objectives of those plan companies are ... they are there to sell you something else!.. so do your own mutual fund research and IRA rollover rules research, so when they try to tell you that the best thing for you to do is IRA rollover your entire 401k retirement account to their company, you will have found out for yourself if you should or not.

You can use the navigation menus on the sides to navigate this website. Please use our contact form if you have any questions. You can use the link below to bookmark this page.

• Retirement Plan Types
• Defined Benefit Plan
• Defined Benefit Calculation

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