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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 ...
Lilac Wonderful Death Wish
  09/18/17
uh because it's a perk and perks help influence people's dec...
Provocative Pale Fortuitous Meteor Meetinghouse
  09/18/17
how about just increase the salary and not resources stuff o...
Lilac Wonderful Death Wish
  09/18/17
(Biglawyer)
cobalt generalized bond
  09/18/17
nope. more like salesman.
Lilac Wonderful Death Wish
  09/18/17
(guy who doesn't understand taxes)
electric purple genital piercing multi-billionaire
  09/19/17
...
Alcoholic heady jew
  09/19/17
...
aggressive office prole
  09/19/17
...
Indigo talented sneaky criminal brunch
  09/18/17
free money is not a $cam bro. at least contribute up to the...
Cowardly personal credit line
  09/18/17
i don't know man...
Lilac Wonderful Death Wish
  09/18/17
you always go AT LEAST to the match. it's free money that y...
Coiffed Deer Antler Hissy Fit
  09/19/17
CR
Diverse haunted graveyard stage
  09/19/17
JFC you are way too dumb to post here.
Confused Ceo
  09/18/17
*invests in 401k* *loses more than half of it during a re...
Lilac Wonderful Death Wish
  09/18/17
Doesnt invest in 401k for whole life. Misses out on 7% av...
sadistic saffron fanboi yarmulke
  09/18/17
do you mean you dont vest so they match 100% automatically u...
cracking pontificating place of business
  09/18/17
How much do they match for you bozos
beta walnut market filthpig
  09/18/17
why do you hate me?
cracking pontificating place of business
  09/18/17
i don't know. i didn't ask HR cause i just wasn't interested...
Lilac Wonderful Death Wish
  09/18/17
Because it's free money for them - part of what otherwise wo...
Exhilarant stain pit
  09/18/17
...
Charismatic drab half-breed quadroon
  09/18/17
hmm...
Lilac Wonderful Death Wish
  09/18/17
Employer contributions are a tax write off.
aggressive office prole
  09/18/17
Isn't salary a write off?
slate range doctorate
  09/18/17
Generally, but there are some exceptions. E.g., IRC § 1...
contagious clown idea he suggested
  09/18/17
Price discrimination. They tell all potential employees that...
excitant menage
  09/19/17
Is there any tax benefit that employer match has over a sala...
Bistre mad-dog skullcap national
  09/19/17
hehe
embarrassed to the bone jewess
  09/19/17
rare cr from you ted. its a scam
embarrassed to the bone jewess
  09/19/17
Ty
Lilac Wonderful Death Wish
  09/19/17
Tax favored contributions to executives are limited to a mul...
Bisexual skinny woman church building
  09/19/17
...
sable vigorous rehab
  09/19/17
gotta incentivize somehow.
Coiffed Deer Antler Hissy Fit
  09/19/17
Avoid failing the IRS' nondiscrimination test?
bronze trust fund patrolman
  09/19/17
...
Coiffed Deer Antler Hissy Fit
  09/19/17
bros, just checked and 401k is at 14.9% ytd lol wtf... s&...
cracking pontificating place of business
  09/19/17
Euro/international stock funds are doing super well
Diverse haunted graveyard stage
  09/19/17
music will end any day now...
cracking pontificating place of business
  09/19/17
bc matching was conceived of as a (poor) substitute for pens...
Indecent Vibrant Space
  09/19/17


Poast new message in this thread



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Lilac Wonderful Death Wish

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: Provocative Pale Fortuitous Meteor Meetinghouse

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: Lilac Wonderful Death Wish

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: cobalt generalized bond

(Biglawyer)

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



Reply Favorite

Date: September 18th, 2017 9:00 PM
Author: Lilac Wonderful Death Wish

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: electric purple genital piercing multi-billionaire

(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: Alcoholic heady jew



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



Reply Favorite

Date: September 19th, 2017 6:56 PM
Author: aggressive office prole



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Indigo talented sneaky criminal brunch



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



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Cowardly personal credit line

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: Lilac Wonderful Death Wish

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: Coiffed Deer Antler Hissy Fit

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: Diverse haunted graveyard stage

CR

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



Reply Favorite

Date: September 18th, 2017 8:54 PM
Author: Confused Ceo

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: Lilac Wonderful Death Wish

*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: sadistic saffron fanboi yarmulke

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: cracking pontificating place of business

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: beta walnut market filthpig

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: cracking pontificating place of business

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: Lilac Wonderful Death Wish

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 stain pit

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: Charismatic drab half-breed quadroon



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Lilac Wonderful Death Wish

hmm...

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



Reply Favorite

Date: September 18th, 2017 9:13 PM
Author: aggressive office prole

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: slate range doctorate

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: contagious clown idea he suggested

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: excitant menage

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: Bistre mad-dog skullcap national

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: embarrassed to the bone jewess

hehe

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



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: embarrassed to the bone jewess

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: Lilac Wonderful Death Wish

Ty

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



Reply Favorite

Date: September 19th, 2017 2:36 PM
Author: Bisexual skinny woman church building

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: sable vigorous rehab



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



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: Coiffed Deer Antler Hissy Fit

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: bronze trust fund patrolman

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: Coiffed Deer Antler Hissy Fit



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



Reply Favorite

Date: September 19th, 2017 6:44 PM
Author: cracking pontificating place of business

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: Diverse haunted graveyard stage

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: cracking pontificating place of business

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: Indecent Vibrant Space

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)