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November 1, 2005Just throttled down my 401k contributionsI just logged into IBM's 401k web site and throttled down my 401k contribution from 10% to 6%. Unfortunately I may be too late.When I logged in I realized I was already closing into my 2005 contribution limit. The limit... January 6, 2006Big Changes Coming in IBM's Retirement PlanYesterday, IBM announced a major program change to its retirement plan. It will begin freezing its pension plans 12/31/2007 and move all retirement contributions to its 401k plan.In today's plan I get an automatic 5% pay match to IBM's cash... January 9, 2006The 401k GotchaThere is a little gotcha in my 401k plan that I have mentioned before, but have never really emphasized. Since this is the only 401k plan I have ever participated in, I don't know if its common or unique.Typically 401k... May 5, 2006Are After Tax 401(k) Contributions a Good Idea?I don't know how many 401(k) plans offer this feature, but IBM's plan allows employees to contribute up to 10% of their salary (on an after-tax basis) to their 401(k). These after-tax contributions are not part of a Roth 401(k)... June 14, 2006401(k) Match Maximizer is Here!I have previously wrote about a little gotcha with my 401(k) plan that causes me to miss a portion of my employer's 401(k) unless I time my contributions perfectly. I got word this morning that my employer is announcing a... October 9, 2006Do Employer 401k Contributions Count Toward the Max?Short answer - no. In a 401(k) the employer match does not count towards the annual maximum contribution. In 2006 the IRS limits your maximum contribution to $15,000 (plus $5,000 catch-up contribution for those over the age of 50). In... May 15, 2007Is it Time to Reduce My 401(k) Contributions?How do you know if you are saving too much in tax deferred accounts? I have been maxing out my 401(k) for the past 5 years to the annual contribution limits. I feel like I have been playing a bit... December 2, 20072008 401k Contribution LimitI recently logged into my 401(k) and ratcheted up my contributions. I am a little shy of maxing out my 401k contribution limits and I am stretching myself to make sure I max it out. Since my wife is only... February 22, 2008Best Way to Max out your 401k ContributionOk so you have convinced yourself that you want to maximize your 401k contributions. Congrats! Simply put, the easiest, most straight forward way to max out your 401k contributions is to taking the remaining amount your can contribute and divide... February 25, 2008What Happens When You Hit the 401k Contribution Limit?If you max out your 401k before your last paycheck for the year your employer's payroll dept will stop deducting 401k contributions from your paycheck. Is it a bad idea to max out early? Generally speaking it could be less... | About 2millionblog.comA personal finance weblog of my journey to reach my goal of $2 million + the value of my primary residence.
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