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why do employers match 100 percent of an employees 401k?

what's in it for them? My company matches 100 percent of my ...
Impertinent Cordovan Double Fault National
  09/18/17
uh because it's a perk and perks help influence people's dec...
Vivacious chrome old irish cottage boistinker
  09/18/17
how about just increase the salary and not resources stuff o...
Impertinent Cordovan Double Fault National
  09/18/17
(Biglawyer)
outnumbered khaki telephone legend
  09/18/17
nope. more like salesman.
Impertinent Cordovan Double Fault National
  09/18/17
(guy who doesn't understand taxes)
maize bateful idea he suggested
  09/19/17
...
mentally impaired stag film
  09/19/17
...
translucent floppy site mexican
  09/19/17
...
sick fighting parlour karate
  09/18/17
free money is not a $cam bro. at least contribute up to the...
Dull Elite Sound Barrier Prole
  09/18/17
i don't know man...
Impertinent Cordovan Double Fault National
  09/18/17
you always go AT LEAST to the match. it's free money that y...
sticky yellow ticket booth
  09/19/17
CR
Territorial school cafeteria electric furnace
  09/19/17
JFC you are way too dumb to post here.
Very tactful chestnut theater stage boltzmann
  09/18/17
*invests in 401k* *loses more than half of it during a re...
Impertinent Cordovan Double Fault National
  09/18/17
Doesnt invest in 401k for whole life. Misses out on 7% av...
Chest-beating brilliant feces
  09/18/17
do you mean you dont vest so they match 100% automatically u...
Confused Motley Brethren Tank
  09/18/17
How much do they match for you bozos
Dashing angry potus
  09/18/17
why do you hate me?
Confused Motley Brethren Tank
  09/18/17
i don't know. i didn't ask HR cause i just wasn't interested...
Impertinent Cordovan Double Fault National
  09/18/17
Because it's free money for them - part of what otherwise wo...
exhilarant wagecucks
  09/18/17
...
Lavender aromatic chad
  09/18/17
hmm...
Impertinent Cordovan Double Fault National
  09/18/17
Employer contributions are a tax write off.
translucent floppy site mexican
  09/18/17
Isn't salary a write off?
cocky box office
  09/18/17
Generally, but there are some exceptions. E.g., IRC § 1...
Purple Locale Blood Rage
  09/18/17
Price discrimination. They tell all potential employees that...
Vermilion den athletic conference
  09/19/17
Is there any tax benefit that employer match has over a sala...
Free-loading embarrassed to the bone hell cuckoldry
  09/19/17
hehe
Out-of-control heady patrolman preventive strike
  09/19/17
rare cr from you ted. its a scam
Out-of-control heady patrolman preventive strike
  09/19/17
Ty
Impertinent Cordovan Double Fault National
  09/19/17
Tax favored contributions to executives are limited to a mul...
provocative deep forum codepig
  09/19/17
...
Irradiated shrine
  09/19/17
gotta incentivize somehow.
sticky yellow ticket booth
  09/19/17
Avoid failing the IRS' nondiscrimination test?
Razzle coral roommate affirmative action
  09/19/17
...
sticky yellow ticket booth
  09/19/17
bros, just checked and 401k is at 14.9% ytd lol wtf... s&...
Confused Motley Brethren Tank
  09/19/17
Euro/international stock funds are doing super well
Territorial school cafeteria electric furnace
  09/19/17
music will end any day now...
Confused Motley Brethren Tank
  09/19/17
bc matching was conceived of as a (poor) substitute for pens...
Pale lodge
  09/19/17


Poast new message in this thread



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Impertinent Cordovan Double Fault National

what's in it for them? My company matches 100 percent of my 401k and it got me wondering: do they get any tax breaks? why would they want to waste money from their own pocket for my 401k?

it makes do damn sense... anyways i wont want to do the 401k thingy. i think it's a boomer scam. and i also need the money.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239248)



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Vivacious chrome old irish cottage boistinker

uh because it's a perk and perks help influence people's decision to work there or not?

if everyone else in the market is doing it, you have to too

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239255)



Reply Favorite

Date: September 18th, 2017 8:55 PM
Author: Impertinent Cordovan Double Fault National

how about just increase the salary and not resources stuff on 401k scams? millenials dont buy into this whole 401k crap.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239275)



Reply Favorite

Date: September 18th, 2017 8:59 PM
Author: outnumbered khaki telephone legend

(Biglawyer)

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239300)



Reply Favorite

Date: September 18th, 2017 9:00 PM
Author: Impertinent Cordovan Double Fault National

nope. more like salesman.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239311)



Reply Favorite

Date: September 19th, 2017 2:46 PM
Author: maize bateful idea he suggested

(guy who doesn't understand taxes)

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244039)



Reply Favorite

Date: September 19th, 2017 6:53 PM
Author: mentally impaired stag film



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246152)



Reply Favorite

Date: September 19th, 2017 6:56 PM
Author: translucent floppy site mexican



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246186)



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: sick fighting parlour karate



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239624)



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Dull Elite Sound Barrier Prole

free money is not a $cam bro. at least contribute up to the match jfc.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239256)



Reply Favorite

Date: September 18th, 2017 8:56 PM
Author: Impertinent Cordovan Double Fault National

i don't know man...

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239284)



Reply Favorite

Date: September 19th, 2017 2:49 PM
Author: sticky yellow ticket booth

you always go AT LEAST to the match. it's free money that you would likely have to save anyways. iirc, it lowers you AGI as well.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244061)



Reply Favorite

Date: September 19th, 2017 7:34 PM
Author: Territorial school cafeteria electric furnace

CR

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246429)



Reply Favorite

Date: September 18th, 2017 8:54 PM
Author: Very tactful chestnut theater stage boltzmann

JFC you are way too dumb to post here.



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239258)



Reply Favorite

Date: September 18th, 2017 8:57 PM
Author: Impertinent Cordovan Double Fault National

*invests in 401k*

*loses more than half of it during a recession*

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239290)



Reply Favorite

Date: September 18th, 2017 9:09 PM
Author: Chest-beating brilliant feces

Doesnt invest in 401k for whole life.

Misses out on 7% average post-tax returns.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239393)



Reply Favorite

Date: September 18th, 2017 8:55 PM
Author: Confused Motley Brethren Tank

do you mean you dont vest so they match 100% automatically up to x%? if that's what you meant, it's for safe harbor testing so they don't get sued. gc never not gc'ing.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239273)



Reply Favorite

Date: September 18th, 2017 8:57 PM
Author: Dashing angry potus

How much do they match for you bozos

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239288)



Reply Favorite

Date: September 18th, 2017 8:58 PM
Author: Confused Motley Brethren Tank

why do you hate me?

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239292)



Reply Favorite

Date: September 18th, 2017 8:58 PM
Author: Impertinent Cordovan Double Fault National

i don't know. i didn't ask HR cause i just wasn't interested in it. but a lot of older folks were.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239294)



Reply Favorite

Date: September 18th, 2017 9:11 PM
Author: exhilarant wagecucks

Because it's free money for them - part of what otherwise would be your salary - when you don't.



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239406)



Reply Favorite

Date: September 18th, 2017 9:15 PM
Author: Lavender aromatic chad



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239439)



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Impertinent Cordovan Double Fault National

hmm...

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239621)



Reply Favorite

Date: September 18th, 2017 9:13 PM
Author: translucent floppy site mexican

Employer contributions are a tax write off.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239422)



Reply Favorite

Date: September 18th, 2017 9:36 PM
Author: cocky box office

Isn't salary a write off?

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239629)



Reply Favorite

Date: September 18th, 2017 9:42 PM
Author: Purple Locale Blood Rage

Generally, but there are some exceptions. E.g., IRC § 162(m).

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239665)



Reply Favorite

Date: September 19th, 2017 2:03 PM
Author: Vermilion den athletic conference

Price discrimination. They tell all potential employees that the perk is there but not all will use it.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243616)



Reply Favorite

Date: September 19th, 2017 2:12 PM
Author: Free-loading embarrassed to the bone hell cuckoldry

Is there any tax benefit that employer match has over a salary increase?

I get that not all employees will use the match. But I also think tons of employees will not correctly view the match as income. Maybe the match functions as a raise only for those employees who read the fine print and care.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243702)



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: Out-of-control heady patrolman preventive strike

hehe

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243703)



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: Out-of-control heady patrolman preventive strike

rare cr from you ted. its a scam

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243707)



Reply Favorite

Date: September 19th, 2017 4:23 PM
Author: Impertinent Cordovan Double Fault National

Ty

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244922)



Reply Favorite

Date: September 19th, 2017 2:36 PM
Author: provocative deep forum codepig

Tax favored contributions to executives are limited to a multiple of the average employee.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243956)



Reply Favorite

Date: September 19th, 2017 2:38 PM
Author: Irradiated shrine



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243972)



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: sticky yellow ticket booth

gotta incentivize somehow.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244108)



Reply Favorite

Date: September 19th, 2017 2:39 PM
Author: Razzle coral roommate affirmative action

Avoid failing the IRS' nondiscrimination test?

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243978)



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: sticky yellow ticket booth



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244110)



Reply Favorite

Date: September 19th, 2017 6:44 PM
Author: Confused Motley Brethren Tank

bros, just checked and 401k is at 14.9% ytd lol wtf...

s&p is at 13.5%?! where's all this expansion coming from

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246056)



Reply Favorite

Date: September 19th, 2017 7:37 PM
Author: Territorial school cafeteria electric furnace

Euro/international stock funds are doing super well

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246445)



Reply Favorite

Date: September 19th, 2017 7:50 PM
Author: Confused Motley Brethren Tank

music will end any day now...

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246515)



Reply Favorite

Date: September 19th, 2017 10:46 PM
Author: Pale lodge

bc matching was conceived of as a (poor) substitute for pensions. it wasn't that long ago your employer was supposed to fully fund your retirement w a defined benefit.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34247611)