There are so many reasons to join the 401(K) plan.
A 401(k) plan is a valuable benefit program that allows you to put money aside for a financially secure retirement.
After you enroll, your contribution will be automatically deducted from you paycheck.
There are big tax advantages.
Your contribution will be deducted from your pay before taxes. This means you will pay less income tax than if you did not contribute to the plan. And unlike interest earnings on a regular account which are taxed annually, your investment earnings continue to grow without an annual tax bite until you withdraw. This is called tax deferred compounding and overtime it can make a big difference in the amount of money you accumulate.
Its flexible, to meet your needs.
Your 401(k) offers built in flexibility to meet changing financial circumstances. You determine how much you want to contribute. You can increase or decrease contributions at regular intervals, stop contributions at any time and transfer money among investment options whenever you want.
Your money is always yours.
The money you contribute to your account will always be yours. By law it cannot become the property of anyone else.
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