Your Weekly Update - Reminder On The Value Of 401(k) Matching

	Weekly Market Recap We want to remind you of an important employee benefit. 401(k) matching can boost your savings rate, and many larger employers offer it. For many, 401(k) matching means that, for every dollar you put into your retirement plan, your employer will also put in a dollar. Said otherwise: it's free money. That's a pretty spectacular potential 100% return on your investment even before the potential tax benefits. So, if you do have a 401(k) from your employer, make sure you are taking advantage of the match if it's available. This matching can be valuable even in cases where your 401(k) fees are a relatively high or the fund options limited, simply because the matching itself can be so valuable. There are limits to 401(k) matching in terms of the level of contributions your employer will match up to, and whether it's simple dollar for dollar matching on offer or something else. It's also important to remember that the employer match does not count towards the annual IRS deferral limit (currently $18,000 for 2015). Meaning, you can max out your 401(k) with $18,000 worth of contributions and say your employer matches $2,000, you'll have a total of $20,000 in your account. Roughly 60% of employers now offer a Roth, or post-tax, 401(k) option. Depending on your tax situation, you may want to consider allocating some or all of your contributions as post-tax. Do note, however, that employer matching funds are always Traditional, never Roth. So in the above example, if you make your $18,000 contribution as Roth, the $2,000 employer match would still be Traditional. If your employer came to you with a pay raise, it's unlikely you'd pass it up. However, with 401(k) matching is effectively a "pay raise" for your retirement savings. Make sure that you are aware of your options on 401(k) matching, and that you aren't letting a good deal pass you by. And if you're already on track with your 401(k) matching, it might be time to consider our Premium service that could get you on track financially including automatic rebalancing and tax loss harvesting. Disclaimer: The views expressed herein are not intended to serve as a forecast, a guarantee of future results, investment recommendations or an offer to buy or sell securities by FutureAdvisor. Differences in account size, timing of transactions and market conditions prevailing at the time of investment may lead to different results, and clients may lose money. Past performance is not indicative of future results. The tax loss harvesting strategy discussed should not be interpreted as tax advice and it does not represent in any manner that the tax consequences detailed will be obtained or that the tax loss harvesting strategy will result in any particular tax consequence. Clients should consult with their personal tax advisors regarding the tax consequences of investing. Your Portfolio Summary $9,891.37 Your Total Assets B Diversification A+ Fee Efficiency A+ Tax Efficiency Ways To Improve Your Portfolio 0 Accounts with Actions Your portfolio has no recommended actions right now. We'll watch over your investments and alert you with an email when there are actions for you to complete. Sign in to see detailed steps Sign in to see your full dashboard If you wish to change your email settings, visit your Settings.
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