2013년 11월 23일 토요일

오후 11:41

By Valrie Likens

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About 'key account management plan'|Four Simple Rules for Key Account Management







About 'key account management plan'|Four Simple Rules for Key Account Management








               Ａ               401(ｋ)               ｉｓ               ａ               ｄｅｆｉｎｅｄ               ｃｏｎｔｒｉｂｕｔｉｏｎ               ｐｌａｎ               ｗｈｅｒｅ               ａｎ               ｅｍｐｌｏｙｅｅ               ｔｙｐｉｃａｌｌｙ               ｃｏｎｔｒｉｂｕｔｅｓ               ａ               ｆｉｘｅｄ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｔｈｅｉｒ               ｐｒｅ-ｔａｘ               ｃｏｍｐｅｎｓａｔｉｏｎ               (ｕｐ               ｔｏ               ａ               ｙｅａｒｌｙ               ｍａｘｉｍｕｍ),               ａｎｄ               ｐａｙｓ               ｔａｘｅｓ               ｗｈｅｎ               ｆｕｎｄｓ               ａｒｅ               ｗｉｔｈｄｒａｗｎ               ａｔ               ｒｅｔｉｒｅｍｅｎｔ.
               Ｈｅｒｅ               ａｒｅ               ｔｅｎ               ｒｅａｓｏｎｓ               ｗｈｙ               Ｉ               ｓｔａｒｔｅｄ               ｉｎｖｅｓｔｉｎｇ               ｒｉｇｈｔ               ａｗａｙ               ｉｎ               ｍｙ               401(ｋ)               ｐｌａｎ               ａｓ               ａ               ｎｅｗ               ｅｍｐｌｏｙｅｅ               ｉｎ               ｍｙ               ｅａｒｌｙ               20ｓ.
               Ｉｎｃｏｍｅ               ｔａｘ               ｄｅｆｅｒｒａｌ:               Ａｓ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ               ａｒｅ               ｍａｄｅ               ｂｅｆｏｒｅ               ｔａｘ,               401(ｋ)               ｉｓ               ａ               ｗａｙ               ｏｆ               ｄｅｆｅｒｒｉｎｇ               ｉｎｃｏｍｅ               ｔａｘｅｓ.

Ｆｏｒ               ｅｘａｍｐｌｅ,               ａｓｓｕｍｉｎｇ               Ｉ               ｍａｄｅ               ｔｈｅ               ｍａｘｉｍｕｍ               ｃｏｎｔｒｉｂｕｔｉｏｎ               ｏｆ               $16,500               ａｎｄ               ｍｙ               ｔａｘ               ｒａｔｅ               ｉｓ               25%,               Ｉ               ｗｏｕｌｄ               ｐｏｓｔｐｏｎｅ               $4125               ｉｎ               ｆｅｄｅｒａｌ               ｉｎｃｏｍｅ               ｔａｘ               ｔｈａｔ               ｗｏｕｌｄ               ｏｔｈｅｒｗｉｓｅ               ｂｅ               ｄｕｅ               ｔｈｉｓ               ｙｅａｒ.
               Ｐｏｗｅｒ               ｏｆ               ｃｏｕｐｏｕｎｄｉｎｇ:               Ｌｅｓｓ               ｔｈａｎ               50%               ｏｆ               ｔｈｅ               ｐｅｏｐｌｅ               ｉｎ               ｔｈｅｉｒ               20ｓ               ｉｎｖｅｓｔ               ｉｎ               ａ               401(ｋ)               ｐｌａｎ               ａｔ               ｔｈｅｉｒ               ｗｏｒｋｐｌａｃｅ.

Ｂｕｔ               ｔｈｅ               ｐｏｗｅｒ               ｏｆ               ｃｏｍｐｏｕｎｄｉｎｇ               ｗｏｒｋｓ               ｉｎ               ｆａｖｏｒ               ｏｆ               ｔｈｅ               ｅａｒｌｙ               ｓａｖｅｒ.

Ａｓ               ｃａｎ               ｂｅ               ｓｅｅｎ               ｉｎ               ｔｈｅ               ａｂｏｖｅ               ｃｈａｒｔ,               ａ               ｐｅｒｓｏｎ               ｃｏｎｔｒｉｂｕｔｉｎｇ               ｏｎｌｙ               $5,000               ｅａｃｈ               ｙｅａｒ               (ｌｅｓｓ               ｔｈａｎ               $500               ｐｅｒ               ｍｏｎｔｈ)               ｓｔａｒｔｉｎｇ               ａｔ               ａｇｅ               25               ｗｉｌｌ               ｈａｖｅ               ｏｖｅｒ               $1.2               ｍｉｌｌｉｏｎ               ａｔ               ｒｅｔｉｒｅｍｅｎｔ.

Ｉｎ               ｆａｃｔ,               ｈｅ               ｗｉｌｌ               ｈａｖｅ               ａ               ｂｉｇｇｅｒ               ｎｅｓｔ               ｅｇｇ               ｔｈａｎ               ａ               ｐｅｒｓｏｎ               ｃｏｎｔｒｉｂｕｔｉｎｇ               $10,000               ｅａｃｈ               ｙｅａｒ,               ｓｔａｒｔｉｎｇ               ａｔ               ａｇｅ               35               (ａｓｓｕｍｉｎｇ               8%               ｒａｔｅ               ｏｆ               ｒｅｔｕｒｎ).
               Ａｂｉｌｉｔｙ               ｔｏ               ｃｈｏｏｓｅ               ｉｎｖｅｓｔｍｅｎｔｓ:               401(ｋ)ｓ               ａｒｅ               ｅｍｐｌｏｙｅｅ-ｄｉｒｅｃｔｅｄ               ｗｈｉｃｈ               ｍｅａｎｓ               ｔｈａｔ               ｗｅ               ｃａｎ               ｐｕｔ               ｉｎ               ｈｏｗ               ｍｕｃｈ               ｗｅ               ｗａｎｔ,               ａｎｄ               ｃｈｏｏｓｅ               ｗｈｅｒｅ               ｗｅ               ｗａｎｔ               ｔｏ               ｉｎｖｅｓｔ.

Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ａｏｎ               Ｈｅｗｉｔｔ,               ｔｈｅ               ａｖｅｒａｇｅ               401(ｋ)               ｐｌａｎ               ｈａｓ               ａ               ｃｈｏｉｃｅ               ｏｆ               29               ｏｐｔｉｏｎｓ               ｉｎｃｌｕｄｉｎｇ               ｔｒｅａｓｕｒｙ               ｂｏｎｄｓ,               ｍｕｔｕａｌ               ｆｕｎｄｓ               (ｓｔｏｃｋ               ａｎｄ               ｂｏｎｄ),               ｍｏｎｅｙ               ｍａｒｋｅｔ               ｆｕｎｄｓ,               ｔａｒｇｅｔ-ｄａｔｅ               ｆｕｎｄｓ,               ａｎｄ               ｅｖｅｎ               ｅｍｐｌｏｙｅｒ'ｓ               ｓｔｏｃｋ.

Ｆｕｎｄｓ               ｐｒｏｓｐｅｃｔｕｓｅｓ               ｄｅｓｃｒｉｂｅ               ｅａｃｈ               ｆｕｎｄ,               ｔｈｅｉｒ               ｒｉｓｋ               ｐｒｏｆｉｌｅ,               ｋｅｙ               ｈｏｌｄｉｎｇｓ,               ｃｏｓｔｓ,               ａｎｄ               ｐｅｒｆｏｒｍａｎｃｅ               ｈｉｓｔｏｒｙ.
               Ｍａｔｃｈｉｎｇ               ｐｒｏｇｒａｍ:               Ａ               ｋｅｙ               ｂｅｎｅｆｉｔ               ｏｆ               401(ｋ)               ｉｓ               ｆｒｅｅ               ｍｏｎｅｙ,               ｓｉｎｃｅ               ｔｈｅ               ｅｍｐｌｏｙｅｒ               ｏｆｔｅｎ               ｍａｔｃｈｅｓ               ａ               ｓｍａｌｌ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｔｈｅ               ｃｏｎｔｒｉｂｕｔｉｏｎ.

Ａｏｎ               Ｈｅｗｉｔｔ               ｒｅｓｅａｒｃｈ               ｓｈｏｗｓ               ｏｆ               ｔｈｅ               ｅｍｐｌｏｙｅｒｓ               ｗｈｏ               ｃｕｔ               ｔｈｅｉｒ               ｍａｔｃｈｉｎｇ               ｐｒｏｇｒａｍ               ｓｉｎｃｅ               2008,               55%               ｈａｖｅ               ａｌｒｅａｄｙ               ｒｅｉｎｓｔａｔｅｄ               ｉｔ               ｉｎ               ｓｏｍｅ               ｆｏｒｍ               ａｎｄ               18%               ｐｌａｎ               ｔｏ               ｒｅｉｎｓｔａｔｅ               ｏｒ               ｉｎｃｒｅａｓｅ               ｉｔ               ｉｎ               2011.

Ａｎｏｔｈｅｒ               11%               ｐｌａｎ               ｔｏ               ｄｏ               ｓｏ               ｉｎ               2012               ｏｒ               ｌａｔｅｒ.
               Ｓｕｉｔａｂｌｅ               ｆｏｒ               ｂｅｇｉｎｎｉｎｇ               ｉｎｖｅｓｔｏｒｓ:               Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               Ａｏｎ               Ｈｅｗｉｔｔ               ｓｕｒｖｅｙ,               83%               ｏｆ               ｅｍｐｌｏｙｅｒｓ               ｏｆｆｅｒ               ｐｒｅ-ｍｉｘｅｄ               ｔａｒｇｅｔ-ｄａｔｅ               ｆｕｎｄｓ               ｔｈａｔ               ａｒｅ               ｂａｓｅｄ               ｏｎ               ｅｓｔｉｍａｔｅｄ               ｒｅｔｉｒｅｍｅｎｔ               ａｇｅ.

Ａ               ｐｅｒｓｏｎ               ｗｈｏ               ｉｎｖｅｓｔｓ               ｉｎ               ｔｈｅｓｅ               ｆｕｎｄｓ               ｄｏｅｓ               ｎｏｔ               ｎｅｅｄ               ｔｏ               ａｃｔｉｖｅｌｙ               ｍａｎａｇｅ,               ｏｒ               ｒｅｂａｌａｎｃｅ               ｉｔ.

Ｔｏ               ｆｕｒｔｈｅｒ               ｓｉｍｐｌｉｆｙ               ｉｎｖｅｓｔｍｅｎｔ               ｄｅｃｉｓｉｏｎ               ｍａｋｉｎｇ,               ｍｏｒｅ               ｔｈａｎ               ｈａｌｆ               ｏｆｆｅｒ               ｏｎｌｉｎｅ               ｉｎｖｅｓｔｍｅｎｔ               ｇｕｉｄａｎｃｅ               ｉｎｃｌｕｄｉｎｇ               ｃｏｍｐａｒａｔｉｖｅ               ｒｉｓｋｓ               ｏｆ               ｅａｃｈ               ｔｙｐｅ               ｏｆ               ｆｕｎｄ,               ｂｅｎｅｆｉｔｓ               ｏｆ               ｄｉｖｅｒｓｉｆｉｃａｔｉｏｎ,               ｅｔｃ.
               Ｈｉｇｈｅｒ               ｃｏｎｔｒｉｂｕｔｉｏｎ               ｌｉｍｉｔｓ               ｔｈａｎ               Ｒｏｔｈ               ＩＲＡ,               ａｎｄ               ｎｏｔ               ｍｕｔｕａｌｌｙ               ｅｘｃｌｕｓｉｖｅ:               Ｆｏｒ               2011,               ｍａｘｉｍｕｍ               ｃｏｎｔｒｉｂｕｔｉｏｎ               ｏｆ               ａ               Ｒｏｔｈ               ＩＲＡ               ｉｓ               $5,000               ｐｅｒ               ｙｅａｒ               ｖｓ.

$16,500               ｉｎ               401(ｋ)               ｏｒ               Ｒｏｔｈ               401(ｋ)               (ｈｉｇｈｅｒ               ｆｏｒ               ｉｎｖｅｓｔｏｒｓ               ｏｖｅｒ               50               ｙｅａｒｓ).

Ｂｕｔ               Ｒｏｔｈ               ＩＲＡ               ａｎｄ               401(ｋ)               ａｒｅ               ｎｏｔ               ｍｕｔｕａｌｌｙ               ｅｘｃｌｕｓｉｖｅ.

Ｉｎ               ｆａｃｔ,               Ｉ               ｃｏｕｌｄ               ｃｏｎｔｒｉｂｕｔｅ               ｔｏ               ｂｏｔｈ               ａ               401(ｋ)               ａｎｄ               ａ               Ｒｏｔｈ               ＩＲＡ               ｉｎ               ｔｈｅ               ｓａｍｅ               ｙｅａｒ.
               Ｃａｎ               ｂｅ               ｕｓｅｄ               ｆｏｒ               ｐｕｒｐｏｓｅｓ               ｏｔｈｅｒ               ｔｈａｎ               ｒｅｔｉｒｅｍｅｎｔ:               Ｅｖｅｎ               ｔｈｏｕｇｈ               ｔｈｅ               ｐｒｉｍａｒｙ               ｐｕｒｐｏｓｅ               ｏｆ               ｔｈｉｓ               ａｃｃｏｕｎｔ               ｉｓ               ｒｅｔｉｒｅｍｅｎｔ               ｓａｖｉｎｇｓ,               ｕｐ               ｔｏ               50%               (ｏｒ               $50,000)               ｏｆ               ｔｈｅ               ｆｕｎｄｓ               ｃａｎ               ｂｅ               ａｖａｉｌａｂｌｅ               ａｓ               ａ               ｌｏａｎ               ｆｏｒ               ｓｅｌｅｃｔｅｄ               ｐｕｒｐｏｓｅｓ.

Ｈｏｗｅｖｅｒ,               ｔｈｅ               ｄｏｗｎｓｉｄｅ               ｉｓ               ｔｈａｔ               ｉｆ               ａｎ               ｅｍｐｌｏｙｅｅ               ｇｅｔｓ               ｌａｉｄ               ｏｆｆ,               ｔｈｅ               ｌｏａｎ               ｂｅｃｏｍｅｓ               ｄｕｅ               ｗｉｔｈｉｎ               60               ｄａｙｓ.
               Ｐｒｏｔｅｃｔｅｄ               ｄｕｒｉｎｇ               ｃｏｍｐａｎｙ               ｂａｎｋｒｕｐｔｃｙ:               Ｒｅｔｉｒｅｍｅｎｔ               ｍｏｎｅｙ               ｉｓ               ｐｒｏｔｅｃｔｅｄ               ｕｎｄｅｒ               ＥＲＩＳＡ               ｉｎ               ｃａｓｅ               ｏｆ               ａ               ｂａｎｋｒｕｐｔｃｙ               ｏｒ               ｔａｋｅｏｖｅｒ.

Ｕｎｌｅｓｓ               ａｎ               ｅｍｐｌｏｙｅｅ               ｈａｓ               ｍａｄｅ               ｆｏｏｌｉｓｈ               ｃｈｏｉｃｅｓ               (ｅ.ｇ.

100%               ｉｎｖｅｓｔｅｄ               ｉｎ               ｃｏｍｐａｎｙ               ｓｔｏｃｋ               ｔｈａｔ               ｗｅｎｔ               ｂａｎｋｒｕｐｔ...

ｗｈｉｃｈ               ａｆｆｅｃｔｓ               ｔｈｅ               ｖａｌｕｅ               ｏｆ               ｔｈｅ               ａｃｃｏｕｎｔ,               ｂｕｔ               ｎｏｔ               ｔｈｅ               ａｃｃｏｕｎｔ               ｉｔｓｅｌｆ),               ａ               401(ｋ)               ｉｓ               ｓａｆｅ               ｆｒｏｍ               ｂａｎｋｒｕｐｔｃｙ.
               Ｌｏｗ               ａｃｃｏｕｎｔ               ｆｅｅｓ:               Ｔｈｅ               ｅｍｐｌｏｙｅｒ               ｄｏｅｓ               ｎｏｔ               ｃｈａｒｇｅ               ｆｏｒ               ｍａｉｎｔａｉｎｉｎｇ               401(ｋ)ｓ.

Ｈｏｗｅｖｅｒ,               ｔｈｅ               ｆｕｎｄｓ               ｈａｖｅ               ｆｕｎｄ               ｆｅｅｓ,               ｗｈｉｃｈ               ｖａｒｙ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｔｙｐｅ               ｏｆ               ｆｕｎｄ.

Ａｎｙ               ｔｙｐｉｃａｌ               401(ｋ)               ｈａｓ               ｌｏｗ               ｃｏｓｔ               ｏｐｔｉｏｎｓ               ｌｉｋｅ               Ｖａｎｇｕａｒｄ               ｉｎｄｅｘ               ｆｕｎｄｓ               (ｆｅｅｓ               ａｓ               ｌｏｗ               ａｓ               10               ｂａｓｉｓ               ｐｏｉｎｔｓ).

Ｉｎｔｅｒｎａｔｉｏｎａｌ               ｆｕｎｄｓ,               ｂｏｎｄ               ｆｕｎｄｓ,               ｓｍａｌｌ               ｃａｐ               ｆｕｎｄｓ               ａｎｄ               ａｇｅ-ｔａｒｇｅｔｅｄ               ｆｕｎｄｓ               ｈａｖｅ               ｆｅｅｓ               ｏｆ               ａｒｏｕｎｄ               100               ｂｐ               (1%),               ｗｈｉｃｈ               ａｒｅ               ｓｔｉｌｌ               ｌｏｗｅｒ               ｔｈａｎ               ｔｙｐｉｃａｌ               ｂｒｏｋｅｒａｇｅ               ａｓｓｅｔ               ｍａｎａｇｅｍｅｎｔ               ｆｅｅｓ.

Ｔｒａｄｉｎｇ               ｉｓ               ｕｓｕａｌｌｙ               ａｌｓｏ               ｆｒｅｅ.
               Ｏｐｔｉｏｎ,               ｂｕｔ               ｎｏｔ               ｃｏｍｐｕｌｓｉｏｎ               ｔｏ               ｒｏｌｌ-ｏｖｅｒ               ｕｐｏｎ               ｔｅｒｍｉｎａｔｉｏｎ:               Ｅｍｐｌｏｙｅｒｓ               ｃａｎｎｏｔ               ｃｌｏｓｅ               401(ｋ)               ａｃｃｏｕｎｔｓ               ｓｉｍｐｌｙ               ｂｅｃａｕｓｅ               ａｎ               ｅｍｐｌｏｙｅｅ               ｈａｓ               ｑｕｉｔ               ａｓ               ｌｏｎｇ               ａｓ               ｔｈｅｒｅ               ｉｓ               ａｔ               ｌｅａｓｔ               $1000               ｉｎ               ｙｏｕｒ               ｔｈｅ               ａｃｃｏｕｎｔ.

Ｅｍｐｌｏｙｅｅｓ               ｃａｎ               ｃｈｏｏｓｅ               ｔｏ               ｒｏｌｌ               ｏｖｅｒ               ｔｏ               ａ               ｎｅｗ               ｅｍｐｌｏｙｅｒ,               ａ               ｔｈｉｒｄ               ｐａｒｔｙ,               ｏｒ               ｋｅｅｐ               ｉｔ               ｗｉｔｈ               ｔｈｅ               ｏｌｄ               ｅｍｐｌｏｙｅｒ               ｓｉｍｐｌｙ               ｂｅｃａｕｓｅ               ｔｈｅ               ｐｌａｎ'ｓ               ｉｎｖｅｓｔｍｅｎｔ               ｏｐｔｉｏｎｓ               ａｎｄ               ｆｅｅｓ               ａｒｅ               ｂｅｔｔｅｒ               ｔｈａｎ               ｏｔｈｅｒ               ａｌｔｅｒｎａｔｉｖｅｓ.
               Ｎｏｔｅ:               Ａｏｎ               Ｈｅｗｉｔｔ               ｉｓ               ａ               ｌｅａｄｉｎｇ               ａｄｍｉｎｉｓｔｒａｔｏｒ               ｏｆ               401(ｋ)               ｐｌａｎｓ.



               Ｍｏｒｅ               ｆｒｏｍ               ｔｈｉｓ               ｃｏｎｔｒｉｂｕｔｏｒ:
               Ｈｏｗ               Ｉ               Ｓａｖｅ               Ｔｈｏｕｓａｎｄｓ               ｏｆ               Ｄｏｌｌａｒｓ               ｉｎ               Ｉｎｃｏｍｅ,               Ｓａｌｅｓ               ａｎｄ               Ｐｒｏｐｅｒｔｙ               Ｔａｘｅｓ
               Ｈｏｗ               Ｉ               Ｒｅｄｕｃｅ               Ｅｌｅｃｔｒｉｃｉｔｙ               Ｕｓｅ               ｂｙ               Ｕｐ               ｔｏ               25%               ａｎｄ               Ｌｏｗｅｒ               Ｍｙ               Ｅｎｅｒｇｙ               Ｂｉｌｌ
               Ｈｏｗ               Ｐａｃｋｉｎｇ               ｔｈｅ               Ｒｉｇｈｔ               Ｃｒｅｄｉｔ               Ｃａｒｄ               ｆｏｒ               Ｆｏｒｅｉｇｎ               Ｔｒａｖｅｌ               Ｓａｖｅｄ               Ｍｅ               ａ               Ｂｕｎｄｌｅ






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