Get June 2011 401(k) - Raymond James

The moderately conservative allocation is 25% large-cap stocks, 5% small-cap stocks, 10% international stocks, 50% bonds and 10% cash investments.

Safe Harbor 401(k)s work just like traditional 401(k)s with one key exception. Employer contributions are made without having to go through a vesting period. 1 Profit-sharing allows companies to include employees in their profits. There are three steps to creating a DASH 401(k):

Even though 401k Matching is a form of profit-sharing, it is based on a specific formula. And the employer may only provide the matching to employees that also contribute to a 401k themselves. Profit-sharing plans are different because they do not require the employees to contribute to any plan first.

A 401(k) is an employer-sponsored retirement savings plan that offers significant tax benefits while helping you plan for the future. With a 401(k), an employee sets a percentage of their income to be automatically taken out of each paycheck and invested in their account.

A 401(k) plan is a qualified plan that includes a feature allowing an employee to elect to have the employer contribute a portion of the employee's wages to an individual account under the plan. The underlying plan can be a profit-sharing, stock bonus, pre-ERISA money purchase pension, or a rural cooperative plan.

Raymond James is adding new features to the Raymond James Financial, Inc. 401(k) Plan to add more flexibility to your retirement savings. Beginning Jan. 1, 2021, associates will be able to make voluntary after-tax contributions and in-plan Roth conversions.

With a 401(k), an employee sets a percentage of their income to be automatically taken out of each paycheck and invested in their account. Participants can choose how to allocate their funds among the investment choices offered by the plan, which usually include a variety of mutual funds.

A 401(k) is a feature of a qualified profit-sharing plan that allows employees to contribute a portion of their wages to individual accounts. Elective salary deferrals are excluded from the employee's taxable income (except for designated Roth deferrals). Employers can contribute to employees' accounts.