By Eric J. Robbins
This e-book offers the necessary details had to comprehend the monetary part of the retirement making plans coin. you will commence via studying concerning the a variety of plan forms employers could supply their staff. themes with regards to compliance checking out should be completely mentioned in addition to concepts used to legally shift merits in desire of hugely compensated staff (HCEs). even if, a few employers don't sponsor a plan; and while this occurs, retirement savers might want to comprehend the choices to be had in the international of person retirement money owed (IRAs). This publication isn't really meant to supply funding suggestion, yet fairly to discover how diversified retirement discounts autos functionality and the way they are often successfully deployed. This ebook additionally discusses non-investment-related subject matters reminiscent of housing ideas, Social safeguard making plans, Medicare making plans, and some different uncomplicated insurance-based concerns confronted by means of all retirees
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Additional resources for Essentials of retirement planning : a holistic review of personal retirement planning issues and employer-sponsored plans
TB plans are rarely used in practice because other plans offer more flexibility for the employer’s contributions. Money Purchase Pension Plan An MPPP is by definition a type of DC plan. It derives its name from the fact that upon retirement, the entire account balance (the money) 36 ESSENTIALS OF RETIREMENT PLANNING is typically used to purchase some form of annuity. Participants are not required to do so, but they usually select this option because this is the option most commonly presented to them.
Another concern is the potential dilution effect of new shareholders. If the company issues new shares, then existing shareholders will still own the same number of shares, but with a reduced voting and ownership percentage. An employer approaches you for advice on which type of retirement plan might be best for them. After completing a fact-finding meeting with the employer, you learn that the company has highly unpredictable cash flows. They do not want to assume any investment risk, but they do want the ability to provide retirement value to their employees.
We will discuss each of these in detail in later chapters, but the following discussion will provide a good overview. Money purchase pension plans (MPPPs) are retirement savings accounts where both employers and employees can deposit contributions based on a percentage of annual earnings. Upon retirement, the entire cash balance in the employee’s account can be used to purchase an annuity, which becomes a stream of retirement cash flow. A TB plan is an account for which a specific retirement benefit is targeted.