自愿退休储蓄计划
州立鲍灵格林大学 offers two voluntary retirement plans, 403(b)和457(b), 帮助员工规划退休生活. 符合条件的员工可以参加这两个计划, which doubles the available amount that can be contributed each year, 达到美国国税局的年度限额, 在税前和/或罗斯基础上.
When making your selection(s), remember to take into consideration the 的收费结构. To start, stop, 或者更新一个计划和相应的贡献, 请查阅有关的资料 批准的供应商 根据您选择的供应商页面并按照说明操作.
Use the following resource links to learn more about your voluntary retirement options.
认可退休服务提供者
BGSU选择TIAA来协助正在进行的管理计划. Visit this resource page to learn more about TIAA's services and contact information for the state retirement plans and the providers of the University-sponsored plans.
俄亥俄州延期补偿457(b)计划
BGSU通过俄亥俄州延期补偿提供457(b)计划. 这个计划有一个罗斯期权. 登记或更新您的选举 递延赔偿, please contact them directly through their online services or 1-877-644-6457.
BGSU 457(b)计划
BGSU also provides a 457(b) through three of our approved providers. 这个计划有一个罗斯期权. 您可以选择投资TIAA, Voya或Equitable. 这个计划不包括忠诚. 登记或更新你的选举，请直接登入 退休@Work portal.
投资菜单
The voluntary plans offer a range of options that were carefully selected by BGSU to give you the ability to create a diversified retirement portfolio to match your investment goals and preferences. 您可以随时更改您的投资分配. BGSU 457(b)计划的投资菜单, 403(b)计划和替代退休计划是相同的. These plans also offer a brokerage window in which you may select a wide array of investments. Please note that the investment funds within the brokerage window are not monitored by BGSU. 提醒一下, 入学后, you must log in to your selected provider’s website to select your investments and identify your beneficiary(s).
经纪选项
经纪选项将在BGSU 457(b)中提供。, 403(b), and ARP plans and provides you the opportunity to allocate a portion of your account balances to a wide range of mutual funds beyond those offered in the core investment menu. Choices include thousands of investment options from well-known mutual fund families. Keep in mind that BGSU neither selects nor monitors investment funds available through self-directed brokerage accounts, and your selected vendor does not offer investment advice for balances in these accounts. 要了解更多信息，请联系您选择的供应商.
Roth contribution option in the existing 403(b) and new 457 (b)的计划
Both the existing 403 (b)的计划 and the new 457 (b)的计划 will offer you the option to make Roth after-tax contributions in addition to the current pretax contributions. 罗斯期权, taxes are paid at the time of contribution so that you can withdraw them, 这些捐款所得的金额是免税的. Withdrawals of earnings after age 59½ are tax-free if the distribution is taken no earlier than five years after the Roth contributions were first made.
罗斯计划内转换功能
You will have the opportunity to convert some (or all) of your pretax retirement plan savings (contributions and earnings) to Roth with the 罗斯计划内转换功能. 罗斯平面内转换s cannot be reversed after the change is made. The amount converted is treated as taxable income in the year of conversion; no taxes are withheld from your account as part of the conversion. 在选择罗斯计划内转换之前, consult your tax advisor to ensure this strategy is consistent with your overall financial goals. For more information about the 罗斯计划内转换功能, please contact your selected vendor.
财务健康及建议
作为项目的参与者, you have access to personalized advice on the plan’s investment options from a financial consultant with your selected vendor. You can also take advantage of the current CAPTRUST 金融健康 & 建议项目. 您可以拨打CAPTRUST咨询台的电话 1-800-967-9948 or visit captrustadvice.com 安排会议或提出问题.
CAPTRUST顾问可以向您提供以下信息:
- 制定预算
- 管理债务
- 为孩子的教育存钱
- 确定你是否在退休的轨道上
- 还有许多其他的金融话题……
CAPTRUST不销售任何产品. This service is available as part of your BGSU-sponsored benefit program at no additional cost to you.
403(b) vs. 457(b)比较图
| Features | 403 (b)的计划 | 457 (b)的计划 |
|---|---|---|
| 资格及参与 | 福利-符合条件的员工一般都能参加 有关资格和入学规则，请参阅计划文件 |
福利-符合条件的员工一般都能参加 有关资格和入学规则，请参阅计划文件 |
| 员工减薪(税前)供款 |
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| 雇员罗斯(税后)供款 |
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| 50岁追缴金额-第414(v)条 |
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| Rollovers |
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| Loans | Permitted. 可用性取决于计划规则 | 计划规则不允许 |
| 提前提款罚款 | 对于55岁或55岁以后离职的雇员，则不适用. 否则，10%的人会在59岁半之前戒酒. 例外情况包括死亡和伤残. | 没有提前提现罚款. |
| 罗斯平面内转换 | 通过规划规则允许
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通过规划规则允许
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| 直接转账和滚转 |
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| 税务报告 | 1099-R由供应商签发 | 1099-R由供应商签发 |
| Taxability | Pre-tax contributions will be taxed in the year you take the distribution. Roth distributions are tax free if first contribution was made at least five years earlier and theowner is at least 59 1/2, 残疾或死亡. | Pre-tax contributions will be taxed in the year you take the distribution. Roth distributions are tax free if first contribution was made at least five years earlier and theowner is at least 59 1/2, 残疾或死亡. |
有关详细信息，请参阅规划文件.
更新日期:2024年4月26日下午03:21