Retirement Savings Plans

By: Paul J Graney

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Hardcover | 1 December 2002

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Hardcover
164 Pages

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26.2 x 18.4 x 1.5

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Individual retirement accounts (IRAs), established by the Employee Retirement Income Security Act of 1974 (PL 93-406) to promote retirement saving, were limited at first to workers (and spouses) who lacked employer pension coverage. Income tax was deferred on both contribution and investment earnings. Annual contributions were limited to the smaller of $1,500 or 15% of earnings. Eligibility was expanded to all workers and their spouses by the Economic Recovery Tax Act of 1981 (PL 97-34). Annual contributions were limited to the smaller of $2,000 or 100% earnings. The Tax Reform Act Reform Act of 1986 (PL 99-514) continued tax deferral for IRA earnings, but it limited tax deferrals for contributions to those from: (1) tax filers with no employer plan (for either spouse); and (2) filers with employer pension coverage but whose adjusted gross income (AGI) is below specified limits. The Taxpayer Relief Act of 1997 (PL 105-34) increased these AGI limits, allowed penalty-free early withdrawals for higher education expenses and first-home purchases, and authorised a new 'Roth IRA' to provide tax-free income from after-tax contributions and untaxed investment earnings. This book reviews the key details concerning these legal arrangements for retirement.

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You Can Find This Book In

Non-Fiction Self-Help, Personal Development & Practical Advice Personal Finance Retirement Accounting & Finance Finance Superannuation & Pensions

Preface
Individual retirement accounts : a fact sheet	p. 1
Retirement savings plans : answers to frequently asked questions	p. 5
Retirement savings accounts : early withdrawals and required distributions	p. 11
Individual retirement accounts (IRAs) : issues and proposed expansion	p. 29
Individual retirement accounts (IRAs)	p. 45
Employer stock in retirement plans : investment risk and retirement security	p. 51
Retirement savings and household wealth in 1998 : analysis of census bureau data	p. 81
Retirement plans with individual accounts : federal rules and limits	p. 107
Retirement savings accounts : president's budget proposal for FY2004	p. 139
Social security reform : how much of a role could personal retirement accounts play?	p. 147
Index	p. 159
Table of Contents provided by Blackwell. All Rights Reserved.

Retirement Savings Plans

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