financeworld blog

Most people their working years trying hard to help save money to be added as contributions to their 401k retirement plan. Naturally, with all this hard work, they want to ensure their money is used as they intend it to. This is why many people are caught off guard when they learn that their 401k may not go to their named 401k beneficiary in the event of their death.

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Image : http://www.flickr.com

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Retirement planning doesn’t have to be a daunting task. In addition to a pension, social security and a 401k, the happiest retirees secure investments long before they retire and reap the benefits for that Bahamas cruise later on.

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Are you an employee of non-profit organizations, cooperative hospital services or public education institutions? If you are a school administrator, teacher, nurse, librarian, non-profit personnel or a minister, then you are the best candidate for a 403b retirement plan. This retirement savings option has similar tax structure to a 401k account.

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If you are counting on your 401k plan for retirement – beware! The current financial crisis and stock market collapse are troubling enough, but what many retirement savers don’t know is that their 401k plans may not be up to the task.

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