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Frequently Asked Questions

1. What are the options for the money in my 401(k)/403(b) account if I leave my employer?Show answer.

   Most individuals have four options for the money in their employer sponsored retirement plan account when changing jobs:

   • Stay invested in your current plan
   • Roll over money to your new employer’s plan
   • Roll over your plan savings to an IRA
   • Take your distribution in cash

   For more information and to take action, log in to your account and visit the Changing Jobs section of Tools & Learning.

2. How can I take a loan or withdrawal from my 401(k)/403(b) account?Show answer.

   How and whether you can take a loan or withdrawal depends on your employer's plan and the type of transaction you are requesting. To see if you are eligible, and for details on how to request a loan or withdrawal, log in to the Loans or Withdrawals sections of your employer sponsored account. Or for general information, see the relevant sections of 401k.com.

3. How much can I contribute to my 401(k)/403(b) account this year?Show answer.

   The annual IRS dollar limit is $17,000 for 2012 for your 401(k), 403(b), and 457(b) accounts. If you are age 50 or older, you may be able to contribute an additional $5,500 in catch-up contributions in 2012 if applicable to your plan. Your employer sponsored retirement plans may have additional limits or restrictions. Some plans allow you to contribute on an after-tax basis as well. Please refer to your plan rules for additional information.

4. What is an employer or company match?Show answer.

   Some companies and organizations offer a “match” or “matching contribution” as an incentive to contribute to the company retirement plan. It means that the company will contribute a certain percentage of what you contribute to your account, up to a certain limit. If your employer offers matching contributions to your plan, you should consider contributing at least enough to receive the full amount of the match. Matching contributions are effectively like getting free money for your retirement. Please refer to your plan rules for additional information.