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Can I Take a Lump-Sum Distribution From my Cash-Balance Plan?
Absolutely – this is what separates them from traditional pension plans. Yes.
Cash balance plans maintain a hypothetical account balance for the participant, and the ending balance is known and guaranteed from the time the contributions occur. Many participants opt to take this lump sum balance and move it into their own IRA, or just to pay the taxes on it and be done with the plan.
The other option is to have the balance paid out in the form of a life annuity, with equal payments for the rest of your life like a traditional pension. This option can be more risky simply because it is forfeiting the safety and security of monthly payments for life, in favor of a one-time distribution.
If you choose this option, make sure to plan your spending in a practical and forward-looking way.
What Should I Do With a Lump-Sum Distribution From My Cash-Balance Plan?
How do I allocate my assets in retirement?
Can I Take a Periodic Distribution From My Cash-Balance Plan?
What is a Keogh plan?
Keogh plans are any type of qualified plan at a sole proprietorship or partnership
How Can I Establish a Self-Employed 401(k)?
You can establish a Self-Employed 401(k) by going to an Individual 401(k) provider, or asking your Financial Advisor
What are Some of the Applications of Blockchains?
The overarching theme of blockchains is that they can provide security and asset verification in a decentralized system
What is the Triple Bottom (Bullish) Pattern?
The Triple Bottom pattern appears when there are three distinct low points that represent a consistent support level
What is a Monopoly?
A monopoly is an unhealthy situation in the market in which a single company is the only option in a specific sector
What is Cash Accounting?
Cash Accounting is the accounting method where only finalized transactions are documented
What is currency risk?
Currency risk is the chance that exchange rates will change unfavorably at inopportune times
What is Dividend Capture?
Dividend capture is a strategy similar to dividend arbitrage that seeks to reap incremental gains somewhat reliably...
What is naked shorting?
Naked shorting means that the seller has not located or secured the security being short sold, and is in many cases illegal
What is accommodation trading?
Accommodation Trading is when two traders enter into a non-competitive trade agreement which disregards the current price