p*****t
发帖数: 3824 | 1 【 以下文字转载自 Stock 讨论区 】
发信人: product (For the Horde!), 信区: Stock
标 题: pension plan 和 optional retirement plan选哪个划算？
发信站: BBS 未名空间站 (Sun Dec 22 17:11:42 2013, 美东)
pension 是要contribute salary的 11.54% （我的理解是employer 会match？）
optional retirement plan叫啥 401a，可以自己通过fidelity账户管理，contribute
工资的 7%，employer match 7%。
我的理解是pension的话就是交给退休基金管理，401a可以自己选择股票或者基金？
pension的plan employer也会match contribution的吧？如果是这样，那就是工资以外
，employer 还额外给11.54% ？？？ | n********y
发帖数: 313 | 2 是学校的吗？我是自己6%，单位14%，我就从了。但是pension就不能自己投资了 吧。
contribute
【在 p*****t 的大作中提到】
: 【 以下文字转载自 Stock 讨论区 】
: 发信人: product (For the Horde!), 信区: Stock
: 标 题: pension plan 和 optional retirement plan选哪个划算？
: 发信站: BBS 未名空间站 (Sun Dec 22 17:11:42 2013, 美东)
: pension 是要contribute salary的 11.54% （我的理解是employer 会match？）
: optional retirement plan叫啥 401a，可以自己通过fidelity账户管理，contribute
: 工资的 7%，employer match 7%。
: 我的理解是pension的话就是交给退休基金管理，401a可以自己选择股票或者基金？
: pension的plan employer也会match contribution的吧？如果是这样，那就是工资以外
: ，employer 还额外给11.54% ？？？
| D*****t
发帖数: 558 | 3 Pension is a difined benefit retirement plan, meaning the benefit payment to
the retiree is defined by the plan. As such, the pension is fully
responsible for investment and payout. Investment risk falls solely on the
pension, not the investor. ( consider social security a giant national
pension) 401 k is a defined contribution plan, where the contribution by the
employee wnd employer is defined. It is a self managed plan by investors,
who bear the investment risk fully.
Companies sponsoring Traditional pensions are hard to find nowadays. I
wouuld definetly jump onto a pension plan.andd meanwhile use 401k iras as
supplement. This way rlinvestment risk ls are diversified to the max. | S**C
发帖数: 2964 | 4 given the precarious financial condition of many states, I suspect pension
may not be a good choice, especially if not portable.
to
the
【在 D*****t 的大作中提到】
: Pension is a difined benefit retirement plan, meaning the benefit payment to
: the retiree is defined by the plan. As such, the pension is fully
: responsible for investment and payout. Investment risk falls solely on the
: pension, not the investor. ( consider social security a giant national
: pension) 401 k is a defined contribution plan, where the contribution by the
: employee wnd employer is defined. It is a self managed plan by investors,
: who bear the investment risk fully.
: Companies sponsoring Traditional pensions are hard to find nowadays. I
: wouuld definetly jump onto a pension plan.andd meanwhile use 401k iras as
: supplement. This way rlinvestment risk ls are diversified to the max.
| n********y
发帖数: 313 | 5 Totally agree. Who knows what the future will look like?
【在 S**C 的大作中提到】
: given the precarious financial condition of many states, I suspect pension
: may not be a good choice, especially if not portable.
:
: to
: the
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