How Workers Use 401(K) Plans - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook How Workers Use 401(K) Plans write by William F. Bassett. This book was released on 1998. How Workers Use 401(K) Plans available in PDF, EPUB and Kindle. "This paper examines how workers use 401(k) plans by examining their participation, contribution, and withdrawal decisions. Sixty-five percent of eligible workers participate in 401(k) plans. Employee participation rises with income, age, job tenure, and education. While participation also rises if the employer matches contributions, 401(k) participation does not grow with the rate of matching. When pension plan assets are withdrawn in lump-sum distributions before retirement, just 28 percent of distribution recipients (representing 56 percent of distribution assets) roll over the withdrawn funds into tax-qualified savings plans. Our findings suggest that many workers, particularly those with low incomes, do not use 401(k) plans to save for retirement"--Abstract
How Workers Use 401(K) Plans
How Workers Use 401(K) Plans - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook How Workers Use 401(K) Plans write by Michael J. Fleming. This book was released on 2008. How Workers Use 401(K) Plans available in PDF, EPUB and Kindle. This paper examines how workers use 401(k) plans by examining their participation, contribution, and withdrawal decisions. Sixty-five percent of eligible workers participate in 401(k) plans. Employee participation rises with income, age, job tenure, and education. While participation also rises if the employer matches contributions, 401(k) participation does not grow with the rate of matching. When pension plan assets are withdrawn in lump-sum distributions before retirement, just 28 percent of distribution recipients (representing 56 percent of distribution assets) roll over the withdrawn funds into tax-qualified savings plans. Our findings suggest that many workers, particularly those with low incomes, do not use 401(k) plans to save for retirement.
The Labor Guide to Retirement Plans
The Labor Guide to Retirement Plans - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook The Labor Guide to Retirement Plans write by James W. Russell. This book was released on 2021-11-22. The Labor Guide to Retirement Plans available in PDF, EPUB and Kindle. An essential resource for workers navigating their retirement and pension options, from the labor organizer's perspective. Researching retirement plans should not take the rest of your life, even if deciphering the relevant paperwork seems to have become a full-time job. Deliberately elaborate legalese is obscuring the efforts of financial elites to seize control of workers' collective retirement savings—and The Labor Guide to Retirement Plans is here to translate. Neoliberal retirement reforms have escalated elites' efforts to replace guaranteed workplace retirement plans with weak 401(k)-like savings accounts and risky stock market investment schemes. The result is arguably the largest source of labor value expropriation over the last four decades. In light of all this, what do workers need to know as they assess their future prospects—especially in terms of the security their retirement plans may or may not bring? What should union activists keep in mind as they push for the national and workplace reforms needed to produce greater retirement security? This nuts-and-bolts book provides a much-needed demystification of the retirement system. Even more than that The Labor Guide to Retirement Plans enables us to take charge of our own personal futures, as a first step towards taking back what belongs to us all.
The Construction Chart Book
The Construction Chart Book - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook The Construction Chart Book write by CPWR--The Center for Construction Research and Training. This book was released on 2008. The Construction Chart Book available in PDF, EPUB and Kindle. The Construction Chart Book presents the most complete data available on all facets of the U.S. construction industry: economic, demographic, employment/income, education/training, and safety and health issues. The book presents this information in a series of 50 topics, each with a description of the subject matter and corresponding charts and graphs. The contents of The Construction Chart Book are relevant to owners, contractors, unions, workers, and other organizations affiliated with the construction industry, such as health providers and workers compensation insurance companies, as well as researchers, economists, trainers, safety and health professionals, and industry observers.
401(k)s For Dummies
401(k)s For Dummies - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook 401(k)s For Dummies write by Ted Benna. This book was released on 2011-05-04. 401(k)s For Dummies available in PDF, EPUB and Kindle. Get the most out of your 401(k) in any economy Filled with sample 401(k) portfolios for every stage of life Invest your 401(k) money wisely and make the most of your retirement Want to know what kind of investment mix you need to make your retirement money grow? Don't know what to do with a 401(k) account from your last job? Worried that your company's 401(k) plan doesn't cut it? Relax! This simple, plain-English guide shows you how to manage your accounts, minimize your risks, and maximize your returns. The Dummies Way * Explanations in plain English * "Get in, get out" information * Icons and other navigational aids * Tear-out cheat sheet * Top ten lists * A dash of humor and fun
