Individual Retirement Accounts
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Individual Retirement Accounts
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Author : Barbara D. Bovbjerg
language : en
Publisher: DIANE Publishing
Release Date : 2008-10
Individual Retirement Accounts written by Barbara D. Bovbjerg and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-10 with Business & Economics categories.
Congress created individual retirement accounts (IRAs) with two goals: (1) to provide a retirement savings vehicle for workers without employer-sponsored retirement plans; and (2) to preserve individuals¿ savings in employer-sponsored retirement plans. However, questions remain about IRAs¿ effectiveness in facilitating new, or additional, retirement savings. This is a report on: (1) how IRA assets compare to assets in other retirement plans; (2) what barriers may discourage small employers from offering IRAs to employees; and (3) the adequacy of the IRS and the Dept. of Labor¿s oversight of and information on IRAs. The author reviewed reports from gov¿t. and financial industry sources and interviewed experts and fed. agency officials. Illustrations.
Individual Retirement Accounts Answer Book
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Author : Donald R. Levy
language : en
Publisher: Aspen Publishers
Release Date : 1999-09-01
Individual Retirement Accounts Answer Book written by Donald R. Levy and has been published by Aspen Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999-09-01 with Individual retirement accounts categories.
Taxation Of Individual Retirement Accounts
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Author : David J. Cartano
language : en
Publisher: CCH
Release Date : 2009-04
Taxation Of Individual Retirement Accounts written by David J. Cartano and has been published by CCH this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-04 with Reference categories.
Individual Retirement Accounts
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Author : Felix R. Burnes
language : en
Publisher:
Release Date : 2009
Individual Retirement Accounts written by Felix R. Burnes and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Individual retirement accounts categories.
Individual retirement accounts, or IRAs, hold more assets than any other type of retirement vehicle. In 2004, IRAs held about $3.5 trillion in assets compared to $2.6 trillion in defined contribution (DC) plans, including 401(k) plans, and $1.9 trillion in defined benefit (DB), or pension plans. Similar percentages of households own IRAs and participate in 401(k) plans, and IRA ownership is associated with higher educational and income levels. Congress created IRAs to provide a way for individuals without employer plans to save for retirement, and to give retiring workers or those changing jobs a way to preserve retirement assets by rolling over, or transferring, plan balances into IRAs. Rollovers into IRAs significantly outpace IRA contributions and account for most assets flowing into IRAs. Given the total assets held in IRAs, they may appear to be comparable to 401(k) plans. However, 401(k) plans are employer-sponsored while most households with IRAs own traditional IRAs established outside the workplace. Several barriers may discourage employers from establishing employer-sponsored IRAs and offering payroll-deduction IRAs to their employees. Although employer-sponsored IRAs were designed with fewer reporting requirements to encourage participation by small employers and payroll-deduction IRAs have none, millions of employees of small firms lack access to a workplace retirement plan. Retirement and savings experts and others told the authors that barriers discouraging employers from offering these IRAs include costs that small businesses may incur for managing IRA plans, a lack of flexibility for employers seeking to promote payroll-deduction IRAs to their employees, and certain contribution requirements of some IRAs. Information is lacking, however, on what the actual costs to employers may be for providing payroll-deduction IRAs and questions remain on the effect that expanded access to these IRAs may have on employees. Experts noted that several proposals exist to encourage employers to offer and employees to participate in employer-sponsored and payroll-deduction IRAs, however limited government actions have been taken. The Internal Revenue Service and Labour share oversight for all types of IRAs, but gaps exist within Labour's area of responsibility. IRS is responsible for tax rules on establishing and maintaining IRAs, while Labour is responsible for oversight of fiduciary standards for employer-sponsored IRAs and provides certain guidance on payroll-deduction IRAs, although Labour does not have jurisdiction. Oversight ensures the interests of the employee participants are protected, that their retirement savings are properly handled, and any applicable guidance and laws are being followed. Because there are very limited reporting requirements for employer-sponsored IRAs and none for payroll-deduction IRAs, Labour does not have processes in place to identify all employers offering IRAs, numbers of employees participating, and employers not in compliance with the law. Obtaining information about employer-sponsored and payroll-deduction IRAs is also important to determine whether these vehicles help workers without DC or DB plans build retirement savings. Although IRS collects and publishes some data on IRAs, IRS has not consistently produced reports on IRAs nor shared such information with other agencies, such as Labour. Labour's Bureau of Labour Statistics National Compensation Survey surveys employer-sponsored benefit plans but collects limited information on employer-sponsored IRAs and no information on payroll-deduction IRAs. Since IRS is the only agency that has data on all IRA participants, consistent reporting of these data could give Labour and others valuable information on IRAs.
Individual Retirement Accounts Iras
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Author : Felix Chin
language : en
Publisher:
Release Date : 1983-01-01
Individual Retirement Accounts Iras written by Felix Chin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1983-01-01 with Individual retirement accounts categories.
Individual Retirement Accounts Handbook
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Author : Jere M. Knoles
language : en
Publisher:
Release Date : 1978
Individual Retirement Accounts Handbook written by Jere M. Knoles and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1978 with Individual retirement accounts categories.
Individual Retirement Arrangements Iras Including Roth Iras And Education Iras
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Author :
language : en
Publisher:
Release Date :
Individual Retirement Arrangements Iras Including Roth Iras And Education Iras written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with Individual retirement accounts categories.
Individual Retirement Accounts
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Author : Michael Brostek
language : en
Publisher: DIANE Publishing
Release Date : 2009-03
Individual Retirement Accounts written by Michael Brostek and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-03 with Business & Economics categories.
Individual retirement accounts (IRA) allow individuals to save for retirement in a tax-preferred way. Traditional IRA contributions can be deducted from taxable earnings, and taxes on earnings are deferred until dist. In contrast, Roth IRA contributions are made after taxes, and dist. are tax-free. Faced with a myriad of rules covering IRA contributions and dist., taxpayers may fail to comply with the rules. This report: (1) provides an overview of key rules and describe how the IRS educates taxpayers about these rules; (2) describes what the IRS knows about the extent of noncompliance with IRA transactions reported on taxpayer returns; and (3) describes challenges taxpayers face with key rules and some options for strengthening compliance. Illus.
Administrative Costs And The Organization Of Individual Retirement Account Systems
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Author : Estelle James
language : en
Publisher: World Bank Publications
Release Date : 2001
Administrative Costs And The Organization Of Individual Retirement Account Systems written by Estelle James and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Administrative Costs categories.
Organizing individual retirement accounts through the institutional market and with constrained choice could substantially lower administrative costs. The tradeoff: rebidding problems, weaker performance incentives, inflexibility in the face of unforeseen contingencies, and an increased probability of corruption, collusion, and regulatory capture.
Individual Retirement Accounts
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Author : United States Government Accountability Office
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2018-01-23
Individual Retirement Accounts written by United States Government Accountability Office and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-01-23 with categories.
Individual Retirement Accounts: Government Actions Could Encourage More Employers to Offer IRAs to Employees