Retirement. Cruising in the Greek Islands? Taking the grandkids on holiday? Going out to that world famous restaurant? Having THAT round of golf? Can’t wait? Me neither. A secure retirement, yes please. Money to have fun with when all the hard work has been done? Absolutely. So getting your 401k kicking in all the right places today will give you a life that you deserve in retirement. Decisions that you make now (or, gulp, have already made) could cost you tens even hundreds of thousands of dollars in your golden years. Let’s get down to it; 12 tips you really, really should think about when it comes to your 401k account. Otherwise known as the ULTIMATE GUIDE TO GETTING MORE FROM YOUR 401K PLAN !

1. T H E U LT I M AT E G U I D E
TO G E T T I N G M O R E
F R O M YO U R 4 0 1 K P L A N
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2. TIP 1
FREE MONEY!
Every company is different, but most-if not
all-will match your contributions.

3. TIP 2
KNOW THY FEES.
Money lost to fees is gone forever and you
can’t enjoy the power of compounding.

4. TIP 3
YOUR 401K IS ACTUALLY FOR YOUR
RETIREMENT.

5. TIP 4
WHAT IS VESTING?
Working long enough in order to claim the
full amount your company matches.

6. TIP 5
WHAT IS A ROTH 401K?
You can pay the taxes up front and then take
your withdrawals tax-free in retirement.

7. TIP 6
DO THE RESEARCH.
Research your investment options. A great
place to start is morningstar.com.

8. TIP 7
GOOD ADVICE WILL PAY
FOR ITSELF IN SPADES.

9. TIP 8
SUDDENLY REALIZED THAT YOU WON’T
HAVE ENOUGH MONEY FOR YOUR
RETIREMENT? It’s not too late.

10. TIP 9
STAY INFORMED.
Your 401k is not something to sign up
for and forget.

11. TIP 10
CHANGING JOBS?
Don’t cash out. Check out what the damage
is for that early cash out.

12. TIP 11
ROLL WITH IT.
Got a new job? Roll your old 401k into an
IRA for more control in your investments.

13. TIP 12
OR DON’T ROLL WITH IT.
If you are happy with your 401k plan.
Leave it there.

14. SO. WHAT ARE WE SAYING?
Nurture your retirement fund.
Look closely at investment fund ratios.
Don’t forget about your 401k plan, don’t cash in, consider tax.
Think about your 401k when your are changing jobs.
For more information about our services go to
pathwayplanning.com