Smart401k Blog

  • Is Your 401k’s Brokerage Option Right For You?

    Designing a retirement plan can be a very challenging task for an employer, as no two employees are exactly alike when it comes to investment knowledge and experience. Studies have shown that many employees feel overwhelmed if too many investment options are available in a retirement plan. On the other hand, some are experienced investors who prefer having a large number of investment options.
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  • 7 Twitter Users Every 401(k) Investor Should Follow

    I know what you’re thinking. Why should I spend my time reading tweets about what people ate for dinner or their opinion on current news-making events? It’s a justifiable question to ask, but Twitter, like many things is what you make of it. Following the right people or entities on Twitter can transform the site from a time waster into a powerful news aggregator that can educate and inform of the important news, statistics and information on 401k investing and retirement planning.
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  • American Funds EuroPacific Growth Fund: A Review

    The economic issues facing these countries caused quite a bit of investor fear in 2011 and helped lead many international mutual funds to experience losses of 10% or more.
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  • How to Handle a 401(k) Fund Change

    This post is part of Smart401k CEO Scott Hollsopple’s contribution to the U.S. News & World Report Smarter Investor blog series. Original post date October 22, 2013. It's that time of the year again – benefits enrollment season. Cue the theme from "Jaws"!
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  • Top 10 401(k) Questions You May Be Too Embarrassed to Ask (Part II)

    We recently tackled the first half of the Top 10 401(k) Questions You May Be Too Embarrassed to Ask. We’re back this week to finish up the list.
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  • Tips For How to Reduce Holiday Spending

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  • What are capital gains distributions?

    So, what are capital gains distributions? Mutual funds buy and sell securities, or investments, throughout the year. When a fund sells a security for more than the purchase price, the fund receives a capital gain. If the fund has owned the security for less than a year, the gain is short-term. If the fund has owned the security for over a year, the gain is classified as long-term. The significance of the holding period affects taxation. Short-term gains are taxed at the same rate as ordinary income. Long-term gains are taxed at a special rate of 15% or 5% for those in the lowest income tax bracket.
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