Eligibility and participation ¨C when you can join your employer¡¯s plan
Contributions to your retirement account - types and limits
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Participant-directed accounts ¨C when you can choose your own investments
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Fees you can be charged
Automatic enrollment - when your employer deposits part of your salary into your retirement account unless you make a different election
Distributions - withdrawing money from your account
- When can a retirement plan distribute benefits?
- Tax on early distributions ¨C before you reach age 59 ?
- Hardship distributions ¨C if your plan allows, the rules to follow
- Loans ¨C if your plan allows, the rules to follow
- Required minimum distributions (RMDs) - when and how much you're required to withdraw
- Department of Labor tool to estimate monthly income from your account balance
Rollovers to and from other retirement plans
Notices (information) ¨C from your employer
Vesting ¨C in a retirement plan, means ownership
¨C Department of Labor
Retirement saving tips for individuals
These articles contain basic information about planning for retirement and understanding your employer¡¯s retirement plan.
- SIMPLE IRA Withdrawal and Transfer Rules
- IRA Year-End Reminders
- How to Take Responsibility for Your Retirement
- Maximize Your Salary Deferrals
- Matching Contributions Help You Save More for Retirement
- Mid-Year Retirement Savings Check-up
- Rollover to a Roth IRA or Designated Roth Account
- Roth Account in Your Retirement Plan
- 401(k) Plan Hardship Distributions - Consider the Consequences
- Plan Disclosure Documents: Understanding Your Employer¡¯s Retirement Plan