By Stephen J Butler
The writer, cofounder of a third-party pension management enterprise and public speaker, discusses how 401(k) plans paintings, tips on how to check the standard of a plan, and the way to revamp it to be larger. Of most probably curiosity to corporation decision-makers and lively 401(k) plan members.
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401(k) plans, Pension trusts--United States. 3/253 subject : 401(k) plans, Pension trusts--United States. Page i 401(k) Today Page ii Another Book by Stephen J. Butler The Decision-Maker's Guide to 401(k) Plans Page iii 401(k) Today Designing, Maintaining & Maximizing Your Company's Plan Stephen J. Butler Page iv Copyright © 1999 by Stephen J. Butler All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.
But, to the extent that their loans exceed 50% of their account balances, they need to collateralize any excess amounts (amounts over 50%) with houses, cars, or savings accounts. For example, a participant with an $8,000 account balance can borrow all $8,000, but $4,000 of the loan must be collateralized. Or, if a participant with a $10,000 account balance borrows $6,000, the first $5,000 (50% of $10,000) requires no collateral, but the remaining $1,000 of the $6,000 loan requires collateral. One thing to keep in mind: In any situation in which the loan balance is going to be more than 50% of the account balance, the maximum loan is $10,000.
Tel: (510) 528-1444; Fax: (510) 528-3444. Printed in the United States of America Printed on acid-free and recycled paper that is composed of 50% recovered fiber, including 10% post consumer waste. Butler. cm. Includes bibliographical references and index. Title. 3'253dc21 99-31554 CIP First Edition 05 04 03 02 01 00 99 10 9 8 7 6 5 4 3 2 1 Interior Design: Gopa Design Editing: Marilyn Alexander Production: Linda Jupiter, Jupiter Productions Proofreading: Elinor Lindheimer Indexing: Paula C.