Fidelity Retirement Plans and AlphaProfit Newsletter
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global leader in financial services, Fidelity Investments headquartered in Boston, MA, manages several hundreds of Fidelity funds.
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Saving for Retirement
Fidelity Investments offers self-directed investors several types of individual retirement accounts and plans that qualify for tax benefits under the Internal Revenue code.
A. Employer Sponsored Retirement Plans
Employees of large corporations, educational institutions, and government organizations can invest in the following types of retirement accounts:
Fidelity 401k Retirement Plan
Fidelity 401k plan is a defined contribution retirement plan for corporate employees with maximum contribution limits, automatic payroll deduction, and selected investment options.
Fidelity 403b Retirement Plan
Fidelity 403b plan is a defined contribution retirement plan for employees of educational institutions and non-profit organizations with maximum contribution limits, automatic payroll deduction, and selected investment options.
Fidelity 457 Retirement Plan
Fidelity 457 plan is a defined contribution retirement plan for employees of state and local governments and tax-exempt organizations with features similar to 401k and 403b plans.
B. Retirement Plans for Employees and Owners of Small Businesses
Self-employed persons and employees of small business firms can invest in the following types of retirement accounts:
Savings Incentive Match Plan for Employees or SIMPLE IRA Plan
SIMPLE IRA is a low cost retirement plan for employees in a small business with less than 100 employees offering a full range of investment choices and potentially higher limits of contribution than a SEP IRA.
Simplified Employee Pension Plan or SEP IRA Plan
SEP IRA is a retirement plan for a self-employed person or small business owner with employees, offering a wide range of investment choices and flexible funding requirements.
Self Employed 401k Plan
Self-employed 401k plan is a retirement plan for self-employed individual or business owner with spouse as employee, offering a full range of investment choices and higher contribution limits.
Keogh Plan is a more complicated retirement plan for a sole proprietor or partnership with a small number of employees, offering high tax deductible contribution limits and a full range of investment options.
C. Other Types of Individual Retirement Accounts (IRAs)
Self-directed individuals can use individual retirement accounts or rollover assets accumulated in qualified retirement accounts to grow assets tax-deferred.
Fidelity Rollover IRA Account
Fidelity Rollover IRA offers individuals who change jobs or retire tax-deferred growth and more investment options than in employer sponsored retirement plans.
Fidelity IRA or Traditional IRA Account
Fidelity IRA or Traditional IRA is an individual retirement account held by individuals with Fidelity Investments as custodian. The account carries specific annual contribution limits and provides full range of investment options.
Fidelity Roth IRA Account
Fidelity Roth IRA is an individual retirement account funded with after-tax monies offering tax-free withdrawal in retirement.
Saving for College Education
A. 529 Education Plan
529 Education Plan is a tax-advantaged, professionally managed account with a limited range of investment options for a donor allowing beneficiary tax-free withdrawal for college education.
B. Custodial Accounts for Minors
Uniform Transfer to Minors Act or UTMA Account
Uniform Transfer to Minors Act or UTMA Account is a custodial account for the benefit of a minor maturing at 21 years or higher and offering high contribution limit, exclusion from gift tax and a full range of investment options for the custodian.
Uniform Gifts to Minors Act or UGMA Account
Uniform Gifts to Minors Act or UGMA Account is a custodial account for the benefit of a minor maturing at 18 years and offering high contribution limit, exclusion from gift tax, and a full range of investment options for the custodian.
Saving to Build Wealth
Individual as well as joint accounts are available to build wealth through equity investments.
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