ความคิดเห็นที่ 4
Before we go further, allow me to lay down basic requirements in participating 401k. To be eligible for participation, you have to qualify the following conditions:
1. You must be a salaried man i.e. working for a company or an organization.
2. Your employer provides 401k.
.contribution amount is depended on income only?
Yes, its the salary. For example, as mentioned in the other kratoo that the maximum contribution allowed by the IRS for year 2007 is $15,500. I designated the full amount. Thus, the amount taken out from my pay-check at each pay-period (bi-weekly) is roughly $590.
..is the riskiness of plans also the factor?
401k plan itself does not bear risk. Its just a plan/scheme that allows employees to take advantage of the benefits (as mentioned above i.e. companys match, before-tax and tax defer).
Under this plan, there are many investment types offered by brokerage firms with which your employer associates. For example, my employer has TRowePrice (a mutual fund and brokerage company) to manage our investments. TrowPrice, under the 401k, offers various mutual funds for us to choose.
Like investing in individual stocks, these funds bear investment risk. Actually, investment in any form always associates with risk. Degrees of risk vary according to type of investment i.e. stocks, bonds, money market, CD, or bank saving account. Even keeping your money under a mattress still bears risks: inflation risk and/or risk from burglary.
Inflation risk means your savings have less value over time: do not keep pace with inflation. For instance, your saving of $1000 today will worth less than $1000 two years later because of inflation. Therefore, its imperative to invest (wisely), at least to beat inflation, though there is risk involvement. If your return is greater than the inflation, you are ahead of the game.
จากคุณ :
Thai Woman (ณารา) 
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วันฉัตรมงคล 11:40:42
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