For 401(k) Plan Participants

Investing in a 401(k) Plan

• Can I invest in an individual stock or fund (i.e. S&P 500 index)?
• Why does Betterment use ETFs instead of mutual funds like most 401(k) plans?

401(k) Rollovers

• Is it possible to rollover my previous 401(k) or an IRA?

Making Withdrawals

• What is Betterment’s process when a participant decides to take a loan or distribution?
• What is an in-service distribution?
• What is a required minimum distribution?
• What is a hardship withdrawal?
• Can I take out a loan on my 401(k) account?

Saving for Retirement

• What is the difference between Traditional contributions and Roth 401(k) contributions?
• Should I roll my funds into my 401(k) or IRA account at Betterment?
• Is there a limit as to how much I can contribute to my 401(k) account?
• Is the money in my 401(k) account vested?
• What are “catch-up” contributions?
• How do I sync an external account so that I get holistic savings and retirement advice?

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Getting Started with a Betterment for Business 401(k)

• What is guided onboarding?
• What happens if I leave my employer?
• What is a 401(k) plan?
• My company just announced that we are switching to a Betterment 401(k) - what do I do now? What happens to my current 401(k)?
• How is Betterment for Business different from a traditional 401(k) plan?
• What is automatic enrollment?

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