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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 ...
cowardly medicated range
  09/18/17
uh because it's a perk and perks help influence people's dec...
amber liquid oxygen point
  09/18/17
how about just increase the salary and not resources stuff o...
cowardly medicated range
  09/18/17
(Biglawyer)
Provocative crusty pocket flask
  09/18/17
nope. more like salesman.
cowardly medicated range
  09/18/17
(guy who doesn't understand taxes)
concupiscible citrine casino gaping
  09/19/17
...
Heady cordovan multi-billionaire
  09/19/17
...
Excitant shivering address laser beams
  09/19/17
...
Alcoholic big heaven queen of the night
  09/18/17
free money is not a $cam bro. at least contribute up to the...
Chartreuse Slap-happy Double Fault
  09/18/17
i don't know man...
cowardly medicated range
  09/18/17
you always go AT LEAST to the match. it's free money that y...
dull hospital
  09/19/17
CR
razzle old irish cottage
  09/19/17
JFC you are way too dumb to post here.
mentally impaired brunch
  09/18/17
*invests in 401k* *loses more than half of it during a re...
cowardly medicated range
  09/18/17
Doesnt invest in 401k for whole life. Misses out on 7% av...
Topaz hideous gas station round eye
  09/18/17
do you mean you dont vest so they match 100% automatically u...
mauve titillating goal in life university
  09/18/17
How much do they match for you bozos
Irate adulterous son of senegal
  09/18/17
why do you hate me?
mauve titillating goal in life university
  09/18/17
i don't know. i didn't ask HR cause i just wasn't interested...
cowardly medicated range
  09/18/17
Because it's free money for them - part of what otherwise wo...
cerebral rebellious blood rage
  09/18/17
...
cyan office preventive strike
  09/18/17
hmm...
cowardly medicated range
  09/18/17
Employer contributions are a tax write off.
Excitant shivering address laser beams
  09/18/17
Isn't salary a write off?
splenetic mischievous idea he suggested chapel
  09/18/17
Generally, but there are some exceptions. E.g., IRC § 1...
black property
  09/18/17
Price discrimination. They tell all potential employees that...
Carnelian generalized bond giraffe
  09/19/17
Is there any tax benefit that employer match has over a sala...
ivory library
  09/19/17
hehe
thriller selfie
  09/19/17
rare cr from you ted. its a scam
thriller selfie
  09/19/17
Ty
cowardly medicated range
  09/19/17
Tax favored contributions to executives are limited to a mul...
Wonderful Ratface
  09/19/17
...
irradiated pea-brained dingle berry
  09/19/17
gotta incentivize somehow.
dull hospital
  09/19/17
Avoid failing the IRS' nondiscrimination test?
motley abode police squad
  09/19/17
...
dull hospital
  09/19/17
bros, just checked and 401k is at 14.9% ytd lol wtf... s&...
mauve titillating goal in life university
  09/19/17
Euro/international stock funds are doing super well
razzle old irish cottage
  09/19/17
music will end any day now...
mauve titillating goal in life university
  09/19/17
bc matching was conceived of as a (poor) substitute for pens...
Maize athletic conference
  09/19/17


Poast new message in this thread



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: cowardly medicated range

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: amber liquid oxygen point

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: cowardly medicated range

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: Provocative crusty pocket flask

(Biglawyer)

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



Reply Favorite

Date: September 18th, 2017 9:00 PM
Author: cowardly medicated range

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: concupiscible citrine casino gaping

(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: Heady cordovan multi-billionaire



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



Reply Favorite

Date: September 19th, 2017 6:56 PM
Author: Excitant shivering address laser beams



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Alcoholic big heaven queen of the night



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



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Chartreuse Slap-happy Double Fault

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: cowardly medicated range

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: dull hospital

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: razzle old irish cottage

CR

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



Reply Favorite

Date: September 18th, 2017 8:54 PM
Author: mentally impaired brunch

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: cowardly medicated range

*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: Topaz hideous gas station round eye

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: mauve titillating goal in life university

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: Irate adulterous son of senegal

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: mauve titillating goal in life university

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: cowardly medicated range

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: cerebral rebellious blood rage

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: cyan office preventive strike



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: cowardly medicated range

hmm...

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



Reply Favorite

Date: September 18th, 2017 9:13 PM
Author: Excitant shivering address laser beams

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: splenetic mischievous idea he suggested chapel

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: black property

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: Carnelian generalized bond giraffe

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: ivory library

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: thriller selfie

hehe

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



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: thriller selfie

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: cowardly medicated range

Ty

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



Reply Favorite

Date: September 19th, 2017 2:36 PM
Author: Wonderful Ratface

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 pea-brained dingle berry



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



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: dull hospital

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: motley abode police squad

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: dull hospital



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



Reply Favorite

Date: September 19th, 2017 6:44 PM
Author: mauve titillating goal in life university

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: razzle old irish cottage

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: mauve titillating goal in life university

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: Maize athletic conference

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)