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Table of Contents
Help Center
Introduction
Investment Portfolios
Investment Terminology and Instruments
Technical Analysis and Trading
Cryptocurrencies and Blockchain
Retirement
Retirement Accounts
Personal Finance
Corporate Basics

What is a SEP IRA?

SEP IRA is a benefit for employees that uses employer contributions to fund retirement investment accounts for employees

What are My SEP IRA Investment Options?

SEP IRA investment choices are determined by the financial institution at which your SEP IRA is established

What are the Withdrawal Rules for My SEP IRA?

SEP IRAs are subject to the same withdrawal rules as Traditional IRAs

What Are the Contribution Limits for My SEP IRA?

SEPs contain only employer contributions, and they must contribute the same percentage of every employee’s compensation

What are the Contribution Deadlines for My SEP IRA?

If an employer chooses to make an annual contribution into a SEP IRA, it must be made by the date of Federal Income Taxes

What are the Vesting Rules for my SEP IRA?

SEPs are funded entirely by employer contributions, and these contributions are immediately vested for the employee

How Can I Establish a SEP IRA?

SEP IRAs do not have to be established until taxes are filed for the year, and it can be done quickly

If I Want to Establish a SEP IRA, Do I Have to Establish One for All Owners of My Business?

If a business owner is a silent partner, and not an employee, they do not need to be included in the SEP IRA

If I Want to Establish a SEP IRA, Do I Have to Establish One for All Employees of My Business?

All employees that meet minimum eligibility criteria must be included in a SEP IRA arrangement

What is a SIMPLE IRA?

A SIMPLE IRA is a type of retirement plan for small businesses

What are My SIMPLE IRA Investment Options?

SIMPLE IRAs will have various kinds of investment options, depending on the trustee company that holds the plan assets

What are the Withdrawal Rules for My SIMPLE IRA?

SIMPLE IRA contributions and earnings may be withdrawn at any time, but there are certain penalties that apply

What Are the Contribution Limits for My SIMPLE IRA?

SIMPLEs allow higher employee deferrals than most retirement accounts. A of 2015, they are able to defer up to $12,500

What Are the Contribution Deadlines for My SIMPLE IRA?

Contributions for employees must be made within 30 days after a pay-period, while employers match before the tax deadline

What Are the Vesting Rules for My SIMPLE IRA?

Employer contributions to SIMPLEs are immediately vested to the employee

How Can I Establish a SIMPLE IRA?

A SIMPLE IRA must be established by an employer with fewer than 100 employees

If I Want to Establish a SIMPLE IRA, Do I Have to Establish One for All Employees of My Business?

If you decide to establish a SIMPLE IRA, every eligible employee must be offered a SIMPLE IRA account