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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 Money Purchase/Profit Sharing Plan?

Money Purchase plans and Profit Sharing plans are two types of Defined Contribution plans that can be used at a business

What are My Money Purchase/Profit Sharing Plan Investment Options?

Money Purchase and Profit Sharing Plans have several investment options, including stocks, bonds, mutual funds, annuities

What are the Withdrawal Rules for My Money Purchase or Profit Sharing Plan?

Once you are age 59½, you may begin to make penalty-free withdrawals and only pay income taxes on the amount you withdraw

What are the Contribution Limits for My Money Purchase/Profit Sharing Plan?

Contributions are generally limited to 25% of employee compensation, but a small addition amount may be contributed for

What are the Contribution Deadlines for My Money Purchase/Profit Plan?

Contributions for Money Purchase & Profit Sharing plans come entirely from the employer, and must be before the deadline

What are the Vesting Rules for My Money Purchase/Profit Sharing Plan?

Different plans will have different vesting schedules, within regulatory guidelines and, the IRS imposes certain rules

How Can I Establish a Money Purchase/Profit Sharing Plan?

A written plan document must be established and distributed to all employees notifying them of the plan and of all

If I Want to Establish a Money Purchase/Profit Sharing Plan, Do I Have to Establish One for All Owners of My Business?

A Money Purchase Plan does not have to be offered to every owner, only those who are considered employees as well

If I Want to Establish a Money Purchase/Profit Sharing Plan, Do I Have to Establish One for All Employees of My Business?

If an employer established a Money Purchase/Profit Sharing Plan, all eligible employees must have employer contributions