CAPTRUST 401k - Retirement Plan Advantages

Tax advantages:
- You pay no current income tax on the money you put into the plan. Your contributions are deducted from your pay before taxes.
- Your contributions and earnings grow on a tax-deferred basis until withdrawn at a later time -- in retirement, for example.

Investment options:
- You have a variety of diversified investment choices.
- Your money is invested by professional money managers.
- You decide how much, or how little, risk you want through your selection of investment options.

Convenience:
- Your contributions are automatically deducted from your paycheck, so it's easy to keep working toward your retirement savings goal.
- Although your 401(k) plan and the IRS may specify limits, you generally determine what percentage of your pretax income you want to save.

Portability:
- While your employer may apply a vesting schedule to contributions made on your behalf, the money you contribute, as well as its earnings, are yours to keep. Should you change employers, you can take the vested portion of your 401(k) with you to reinvest in your new employer's plan or roll your funds into an Individual Retirement Account (IRA).


		F.A.Q. Finding the answer to one of your questions could be as easy as browsing our list of most frequently asked questions. Concepts at a glance: - Retirement Facts - 401(k) Advantage - Investment Options

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