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Can I Take a Periodic Distribution From My Cash-Balance Plan?
Periodic distributions are one of the main ways that former employees enjoy the benefits of a Cash Balance plan. Yes, you can take periodic distributions from your cash-balance plan.
As opposed to the other option (lump-sum distribution), opting for the periodic distribution can help you sleep better at night, knowing that you have a fixed stream of income for the rest of your life. This Life Annuity option is mandated by law to be an option to participants of a cash balance plan.
These periodic distributions need to recur at least once a year and be for the same amount. Non-recurring withdrawals will generally not be permitted. It may not be enough to sustain your lifestyle completely, but it will give you a sense of financial security and prohibit overspending in a way that the lump-sum distribution does not.
Can I Take a Lump-Sum Distribution From my Cash-Balance Plan?
What is a Fixed Income Security?
What are Fixed Income Funds?
What are the Different Types of Annuities?
There are fixed annuities, variable annuities, hybrid annuities, income annuities, period income annuities, and more
What are the Withdrawal Rules for My SEP IRA?
SEP IRAs are subject to the same withdrawal rules as Traditional IRAs
Why Use a Blockchain?
Blockchains create an indisputable digital record that is decentralized, i.e,, cannot be changed by a single actor. Using blockchain is generally for digital security
What is the High-Low Index?
The High-Low Index is an observation of the number of stocks which hit 52-week highs or lows in the current day
What is Financial Liquidity?
Financial liquidity refers to the ease with which an asset can be converted to cash
What is Cash and Cash Equivalents?
Cash and cash equivalents are negotiable instruments which have a stable value and are highly liquid
What is Federal Reserve Credit?
The Federal Reserve extends credit in the form of short-term loans to member banks. Banks avoid taking loans from the Fed
What is market breadth?
Market Breadth is a descriptor that is used in several market indicators such as the daily breadth, the A/D Line...
What Are the Basics of Mutual Funds?
Mutual funds come in many varieties, but here are some basics to keep in mind to help you find your way