Congress approves major changes to how you save for retirement
The Secure Act was included in a spending bill approved by the Senate on Thursday and now heads to President Trump for his anticipated signature. Changes include requiring businesses to let long-term, part-time workers become eligible for retirement benefits, and making it easier for small businesses to band together to offer retirement plans. The provisions generally are funded by modifying the rules governing inherited retirement accounts, a move expected to generate $15.7 billion over 10 years in additional tax revenue. The biggest legislative changes to America's retirement system in 13 years are on their way.
On Thursday, the U.S. Senate approved a spending bill that includes the bipartisan Secure Act, which aims to increase the ranks of retirement savers and the amount they put away. The measure — which passed the House earlier this week — now will head to President Trump, who is expected to sign it into law.
跟版上大部分人没关系吧？ long-term, part-time workers become eligible for retirement benefits, and making it easier for small businesses to band together to offer retirement plans.
The Setting Every Community Up for Retirement Enhancement (SECURE) Act includes a provision that would raise the age for IRA required minimum distributions and allow Americans over age 70 ½ to make traditional IRA contributions. It would also allow penalty-free retirement plan withdrawals for new parents and let part-time workers to participate in 401(k) plans with certain restrictions.
The Setting Every Community Up for Retirement Enhancement (SECURE) Act includes a provision that would raise the age for IRA required minimum distributions and allow Americans over age 70 ½ to make traditional IRA contributions. It would also allow penalty-free retirement plan withdrawals for new parents and let part-time workers to participate in 401(k) plans with certain restrictions. YouyiM 发表于 12/19/2019 11:13:26 PM
part time那个也不一定 有些带娃大妈自己老公赚的多够花，找个清闲的工作带娃，现在也可以存401k了，我觉得这样的其实挺多的 ---发自Huaren 官方 iOS APP
The Setting Every Community Up for Retirement Enhancement (SECURE) Act includes a provision that would raise the age for IRA required minimum distributions and allow Americans over age 70 ½ to make traditional IRA contributions. It would also allow penalty-free retirement plan withdrawals for new parents and let part-time workers to participate in 401(k) plans with certain restrictions. YouyiM 发表于 12/19/2019 11:13:26 PM
The Setting Every Community Up for Retirement Enhancement (SECURE) Act includes a provision that would raise the age for IRA required minimum distributions and allow Americans over age 70 ½ to make traditional IRA contributions. It would also allow penalty-free retirement plan withdrawals for new parents and let part-time workers to participate in 401(k) plans with certain restrictions. YouyiM 发表于 12/19/2019 11:13:26 PM
Congress approves major changes to how you save for retirement
The Secure Act was included in a spending bill approved by the Senate on Thursday and now heads to President Trump for his anticipated signature.
Changes include requiring businesses to let long-term, part-time workers become eligible for retirement benefits, and making it easier for small businesses to band together to offer retirement plans.
The provisions generally are funded by modifying the rules governing inherited retirement accounts, a move expected to generate $15.7 billion over 10 years in additional tax revenue.
The biggest legislative changes to America's retirement system in 13 years are on their way.
On Thursday, the U.S. Senate approved a spending bill that includes the bipartisan Secure Act, which aims to increase the ranks of retirement savers and the amount they put away. The measure — which passed the House earlier this week — now will head to President Trump, who is expected to sign it into law.
版上的理财专家怎么看
long-term, part-time workers become eligible for retirement benefits, and making it easier for small businesses to band together to offer retirement plans.
The Setting Every Community Up for Retirement Enhancement (SECURE) Act includes a provision that would raise the age for IRA required minimum distributions and allow Americans over age 70 ½ to make traditional IRA contributions. It would also allow penalty-free retirement plan withdrawals for new parents and let part-time workers to participate in 401(k) plans with certain restrictions.
part time那个也不一定 有些带娃大妈自己老公赚的多够花，找个清闲的工作带娃，现在也可以存401k了，我觉得这样的其实挺多的 ---发自Huaren 官方 iOS APP
不过民主党这关肯定难过，中产不扒一层皮是不甘心的吧！
这文章里啥也没说啊。
不只是富人吧？还有对地主婆，教授这些只要不需要早早拿出来用的人都有好处。
错。
很多人拿多个PART TIME薪水
存不存在个人，但又这个OPTION是好事，也很重要。
就像产假,FAMILY LEAVE一样。
你这什么逻辑。
401K是ECONONY OF SCALE，基本上存进去越多，FEE越低。
真的吗？fee不是按照你多少钱总数的百分比来的么？
基金的规模越大，通常FEE会越低。另外还和历史PERFORMANCE挂钩。
那些part-time的能存进去多少？这种Plan participants的增加不代表Plan assets会增加多少。但是新法规所带来的additional reporting和compliance的cost会被那些401K公司作为借口来增加费用。
我以前因为一个客人的401k的事情和ADP打过交道，ADP说一个允许part-time employees的plan的收费比允许full time的更高。如果雇主不想把费用自己扛，员工投资的fund的expense ratio更高。
rate ？
恩 民主党票仓才不在乎401K，不是根本没存，就是钱太多不care 401K
主党从富人和穷人刮不来钱，就只好刮中产了