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If I Want to Establish a Money Purchase/Profit Sharing Plan, Do I Have to Establish One for All Employees of My Business?
Eligible employees have to be included in money-purchase and profit-sharing arrangements. If an employer established a Money Purchase/Profit Sharing Plan, all eligible employees must have employer contributions deposited into an account for them.
Normally an employee will agree to open an account to hold his or her employer contributions, but in some cases an employee will not want it. An employer must follow specific IRS instructions to open an account for such employees, to keep the plan compliant with ERISA and other regulations.
Eligibility requirements include being over 21 years of age and having worked at least a year for the employer as a full-time employee, where “full-time” is defined as working over 1,000 hours for the employer.
What are Articles of Incorporation?
What are Articles of Partnership?
Can I Start Collecting My Social Security Benefits If I’m Still Working?
What if I Need the Money in My 401(k) Before I Retire?
Withdrawals and loans can be taken out of a 401(k) before retirement, but the money may be subject to penalties and taxes
What’s So Special about an IRA?
An IRA provides tax deferred growth of your assets, and can be quite remarkable in comparison with a savings account
How is the Consumer Price Index (CPI) Calculated?
The Consumer Price Index (CPI) is calculated using prices of sample goods from predetermined urban areas
What is Mortgage Interest Deduction?
Mortgage Interest Deductions are allowable income tax deductions that equal the amount of mortgage payments in a year
How to use Andrew's Pitchfork in trading
Alan Andrews designed Andrew’s Pitchfork as a way to define a trend with support and resistance lines around a median line
What is the Operating Cash Flow Ratio?
The Operating Cash Flow Ratio measures how many times a company can use cash flow from operations to cover debt expenses
What is Accommodative Monetary Policy?
Accommodative monetary policy is when a central bank makes it easier for banks and consumers to borrow money
What is Dividend Selling?
Even if you are in the seller’s position in this situation, and are seeking to “capture” the dividend, you have to...
What is Duration?
Duration refers to the amount of time before a fixed income product will return the investment (principal and interest)
What is dollar cost averaging?
Dollar cost averaging (DCA) is a method of hedging against the risk of investing a lump sum at high market prices