401K 问题解答

1。公司关于401K的规定是“can take loans from your account and make in-service withdrawals upon indurring a financial hardship"是不是说我能从自己的退休帐户里提前借钱出来用来买房什么的？ 是不是经济困难时可以提请取不用交10%罚款？

Mostly yes. Best not to touch those money.

2。“account balance payable at retirement or termination of employment" 我不在这公司干了就能拿到balance了？还是说到时可以让我转到自己的IRA账户里？

Transfer to your IRA, or your new company's 401K. If you take withdrawal, need to pay tax and 10$ penalty.

3。“employees are eligible to make 401K tax-deferred and/or after tax Roth contributions" 好像都说Roth好，我是不是不用投401了？
There are traditional IRA and Roth IRA. Traditional IRA, the contribution is before tax, and you pay tax when you take withdrawal. Roth IRA, contribution is after tax, meaning you pay tax now. But tax-free when you withdraw at retirement.

4。“New employees will automatically be enrolled at a deferral rate of 3%. Employees may opt out or make deferral percentage changes at any time". 是说会自动扣我的工资的3%去投401K吗？工资不高，每年税后到手的钱再刨去日用花销后能剩税前工资的10%左右。我该怎么调整这个百分比？
Simply ask your employer HR.

5。公司只给工作两年以上的人contribute。 我看大家都说401K缩水了，象我这种没有match的人是不是不值得投钱进去？如果投的话，我是很怕风险的人，回报不高没关系，要是钱会变少我宁可存银行。投401K或Roth也能有办法保证不缩水吗？

You should still save some, even without matching, provided you're not doing anything else about retirement. It's one of few ways a W2 worker can get some tax benefit in investment. Others include IRA, insurance. But not much else.

From 3/2007 to 3/2009, the market came down by about 50%. However, it's come back about 50%, meaning back to 75% of the 3/2007. So it goes up and down. But look back 100 years, market is mostly up. Also, saving is the only meaning way to prepare for retirement, especially if you don't invest in other ways. So, definitely, 401K.

Hope this helps.
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