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ELECTRICAL WORKERS LOCAL NO. 292 401(k) & ROTH 401(k) DEDUCTION FORM ELECTRICAL WORKERS LOCAL NO. 292 401(k) & ROTH 401(k) DEDUCTION FORM You may change your deduction monthly, or anytime you go to

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How to fill out 401k amp roth 401k

01

To fill out a 401k and Roth 401k, follow these steps:

02

Determine your eligibility: Check if your employer offers a 401k and Roth 401k option. Not all employers may provide both.

03

Review contribution limits: Understand the maximum amount you can contribute to both plans. For 2021, the contribution limit for a 401k is $19,500, and an additional catch-up contribution of $6,500 is allowed for individuals aged 50 or older. The limits for a Roth 401k are the same.

04

Enroll in the plans: If you are eligible, enroll in the plans offered by your employer. Contact your human resources department for enrollment forms and deadlines.

05

Choose your contribution amount: Decide how much you want to contribute to each plan. You can allocate different percentages or fixed amounts to the 401k and Roth 401k.

06

Set up automatic deductions: Provide your employer with the necessary information to set up automatic deductions from your paycheck. This ensures consistent contributions to both plans.

07

Select investment options: Once enrolled, you'll need to choose how to invest your contributions. Most plans offer a range of investment options, such as mutual funds or target-date funds. Consider your risk tolerance and long-term goals when making your selections.

08

Review and adjust your contributions: Regularly review your contributions and make adjustments as needed. You can increase or decrease the amount you contribute to each plan based on your financial situation.

09

Monitor your investments: Keep an eye on the performance of your investments and make changes if necessary. Consult with a financial advisor if you need guidance.

10

Stay informed: Stay updated on any plan changes and communicate with your employer's benefits department to ensure you are maximizing the benefits of both the 401k and Roth 401k.

11

Consider professional advice: If you are unsure about the best strategy for your retirement savings, consider consulting with a financial advisor who can provide personalized guidance for your specific circumstances.

Who needs 401k amp roth 401k?

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Both 401k and Roth 401k can be beneficial for individuals who are looking to save for retirement:

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- Employees with access to a 401k and Roth 401k through their employer should consider participating to take advantage of the tax benefits and potential employer match.

03

- Individuals who want to save for retirement in a tax-efficient manner can benefit from contributing to a Roth 401k, as qualified withdrawals in retirement are tax-free.

04

- Those who expect to be in a higher tax bracket during retirement can also benefit from a Roth 401k, as it allows for tax-free withdrawals in retirement.

05

- People looking to diversify their retirement savings can allocate contributions between a traditional 401k and a Roth 401k to have a mix of pre-tax and after-tax retirement funds.

06

- Individuals who prioritize long-term financial security and want to take advantage of compounding growth can benefit from starting early with contributions to a 401k and Roth 401k.

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