ISBN: 0-9727483-3-4
LCCN:   2003104775
224 Pages

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Finally, a book that makes 401(k) plan investment and retirement decisions easy to understand. . .

Everything you need to know about 401(k) plans in one book.

Ten simple rules help employees struggling with 401(k) plan decisions make the right choices.

Loaded with strategies to maximize investments and choices.

Clear and helpful explanations about how stocks, bonds and 401(k) plans work.

Updated with the latest tax laws and strategies to take advantage of new regulations.

Your 401(k) Handbook: 2004 Employees’ Guide to Investments and Decisions gives you straight talk about how to maximize your 401(k) plan. The book will help everyone who saves for retirement in a 401(k) plan and especially those who invest only in these plans. It takes you through each step from signing up to creating a plan for withdrawing funds during retirement. Along the way, it covers all the popular topics—borrowing from the plan with a loan, allocating assets among the various investment options and rolling over assets when changing jobs. Filled with helpful examples, and real life characters such as Rebecca, Scott, Andrew, and Katherine, you learn to

• calculate retirement needs,

• maximize long-term retirement dollars,

• allocate funds among the many investment options,

• benefit from the current wave of market fluctua­tions, and

• develop confidence in your decisions.

Mark Schwanbeck’s talent for explaining technical financial informa­tion—with the average employee in mind—allows him to answer the many questions he is asked every day by 401(k) plan participants.

In an age of budget cutbacks and lower rais­es, you must make solid investment choices and better prepare for retirement. Your 401(k) Handbook provides the independent help you need to reach a financially successful retirement.

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Mark L. Schwanbeck
is a consultant and author of personal finance books and articles. He works closely with investment management firms, 401(k) plan administrators, financial planners, and tax advisors to create corporate pension plans. His 1996 book, Your 401(k) Plan: How and Where to Invest, was one of the first books written for employees facing the challenges of investing in a 401(k) plan and saving for retirement. In his corporate career, he worked for a Fortune 200 media company where he managed a $2 billion pension plan. In 1984, he helped the company establish its first 401(k) plan and directed its investment strategy as the employee savings grew to $1 billion.

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