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Index > Index - Pg. 302

Index defined-benefit plans (see DB plans) defined-contribution plans (see DC plans) delayed retirement benefits Social Security, 242 Department of Health and Human Services, 236 Department of Labor (see DOL) Department of LaborDOL Pension and Welfare Benefits Administration, 36 Web site, 36 Determining Additional Money Required to Fund Your Retirement Goal worksheet, 269 Determining Additional Money Required to Inflation-Protect Your Pension Income During Retirement worksheet, 267 Determining How Much You Need to Save Each Year to Meet Your Retirement Goal worksheet, 269 determining if your companies plan is good, 10 Determining the Amount of Money Required to Achieve Your Income Goal worksheet, 267 Determining the Impact of Social Security and Pension on Your Retirement Goal worksheet, 265 direct rollovers, 186 as default distribution option, 189 disability 401(k) cash out options, 181 disability benefits Social Security, 243, 244 disability insurance, 86 discretion, 18 distribution rules ESOPs, 151 distributions minimum retirement, 202, 203, 204 diversification, 138 divorce 401(k) cash out options, 180, 181 divorces accessing 401(k) plans, 34 DOL (Department of Labor), 13 dollar cost averaging long-term investing with stocks, 134 302 as poor reason to borrow from your 401(k) plan, 83 employee benefit ESOPs, 151, 152 Employee Retirement Income Security Act of 1974 (see ERISA) employee stock ownership plans (see ESOPs) Employee Stock Purchase Plans (see ESPPs) employers bankruptcy security of 401(k), 32 liability investments, 33 remittance of contributions, 31 entitlement ESOPs, 150 equity-income funds, 112 ERISA, 152 (Employee Retirement Income Security Act of 1974), 13 terms of how 401(k) plans operate, 13 investment managers, 15 plan administrators, 15 plan document, 13 plan sponsors, 14 plan trustees, 14 record-keepers, 15 SPDs, 14 ESOP Association, 152 ESOPs, 150 (employee stock ownership plans), 149 combined with 401(k) plans, 152 distribution rules, 151 employee benefit, 151, 152 employee entitlement, 150 how the stock gets there, 150 ESPlanner 2000, 280 ESPPs, 155 (Employee Stock Purchase Plans), 155 estate planning (area of financial planning), 226 evaluation of funds, 120, 121 Morningstar Reports, 121 ratings, 121, 122 Oakmark Equity & Income I, 122, 123 objective compared to portfolio, 124 Royce Low-Priced Stock, 123 Van Kampen Emerging Growth A, 123 expense ratio, 120 expense ratio (fund evaluation category), 120 E early retirement benefits Social Security, 241 earning credits Social Security, 238 Economic Growth & Tax Relief Reconciliation Act of 2001 (see EGTRRA) educating your boss, 209 education funding as poor reason to borrow from your 401(k) plan, 84, 85, 86 education IRAs, 93 versus 401(k) plans, 93 education savings accounts, 85 education IRAs, 93 QSTPs, 85 EGTRRA, 25 (Economic Growth & Tax Relief Reconciliation Act of 2001), 6 eight steps to financial independence, 264, 265 eligibility, 15, 16 rollovers, 188 emergency savings fund F facts and circumstances test hardship withdrawals, 176 fair market value of the stock (spread), 154 family benefits Social Security, 243 Fannie Mae (Federal National Mortgage Association), 173 features of 401(k) plans, 15 company match, 17, 18 contribution rate, 17 eligibility, 15, 16 vesting, 19 cliff vesting, 19 graded vesting, 19 Federal Home Loan Mortgage Corporation (see Freddie Mac)