你的401(k)资产有多安全?

Recent bank failures along with continued speculation of more to come has led many Americans to question the safety of their money.

“我的银行账户有多安全??" is fairly simple due to the Federal Deposit Insurance Corporation (FDIC). 由1933年的银行法创建, the FDIC was a key factor in restoring trust in the American banking system during the Great Depression.

关于美国银行账户, the FDIC’s Insurance rules protect your assets with the standard insurance amount being $250,每位存款人000美元, 按受保银行及各帐户所有权类型计算. 虽然还有其他规则需要考虑, 尤其是那些超过250美元的人,我在银行存了000英镑, the FDIC Insurance provides stability in terms of bank accounts.

But what about employer retirement accounts; are my 401(k) and/or 403(b) savings safe?

的 就业退休收入保障法(写) requires plan sponsors to act solely in the best interest of participants and beneficiaries, and provide protection for the participants in retirement plans. In the unlikely event of the bankruptcy or dissolution of a 401(k) plan custodian, qualified plan assets that are held in custodial accounts should not be impacted. Plan assets are segregated into trust accounts that are fully protected under federal law from potential creditors of the sponsor and custodian.

写 provides that plan assets can only be used to provide benefits to participants and to pay reasonable costs of administering the plan. This means that creditors would be unable to access plan assets to recover any of their claims.

Keep in mind that money in qualified retirement savings plans like 401(k) and 403(b) plans are typically invested in securities such as stocks, 债券和共同基金，不受FDIC保险. 

However, Self-Directed retirement plans such IRAs (pre-税 and Roth), Solo 401Ks, etc., 可能包括储蓄账户, checking accounts and CD’s and are FDIC insured up to $250,在联邦存款保险公司有保险的银行. 

写 is meant to provide retirement plan participants with numerous protections by way of the fiduciary standards that plan sponsors are required to adhere to, e.g., acting in the best interests of employees in an effort to keep accounts safe and to give Americans peace of mind when accumulating qualified retirement plan assets.  

If you have any questions about your retirement plan, please contact a member of our team at (电子邮件保护).

相关资源

• FDIC -存款保险
• FDIC -您的保险存款

关于施耐德唐斯退休解决方案

Schneider Downs 退休的解决方案 has experience in all facets of qualified and non-qualified plan delivery, which allows us to be flexible to the needs and direction of our clients. Our specialized team of advisers and consultants provide objective advice and expertise to help plan sponsors govern their retirement plans appropriately, 降低风险, improve participant outcomes and support efficient and compliant plan operations.

Schneider Downs 财富管理 Advisors, LP (SDWMA) is a registered investment adviser with the U.S. 美国证券交易委员会(SEC). SDWMA provides fee-based investment management services and financial planning services, along with fee-based retirement advisory and consulting services. Material discussed is meant for informational purposes only, 而且这不能被理解为投资, 税务或法律建议. 请注意，个别情况可能有所不同. 因此, this information should be relied upon when coordinated with individual professional advice. Registration with the SEC does not imply any level of skill or training.