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why do employers match 100 percent of an employees 401k?

what's in it for them? My company matches 100 percent of my ...
Jade Headpube Site
  09/18/17
uh because it's a perk and perks help influence people's dec...
useless gold state place of business
  09/18/17
how about just increase the salary and not resources stuff o...
Jade Headpube Site
  09/18/17
(Biglawyer)
Apoplectic Mental Disorder Theater Stage
  09/18/17
nope. more like salesman.
Jade Headpube Site
  09/18/17
(guy who doesn't understand taxes)
violent tanning salon preventive strike
  09/19/17
...
Rusted chapel
  09/19/17
...
Exhilarant tan university
  09/19/17
...
Indigo indian lodge
  09/18/17
free money is not a $cam bro. at least contribute up to the...
Emerald Police Squad School Cafeteria
  09/18/17
i don't know man...
Jade Headpube Site
  09/18/17
you always go AT LEAST to the match. it's free money that y...
Burgundy tripping haunted graveyard station
  09/19/17
CR
Lilac marvelous personal credit line stead
  09/19/17
JFC you are way too dumb to post here.
Snowy plaza keepsake machete
  09/18/17
*invests in 401k* *loses more than half of it during a re...
Jade Headpube Site
  09/18/17
Doesnt invest in 401k for whole life. Misses out on 7% av...
spectacular cruel-hearted volcanic crater
  09/18/17
do you mean you dont vest so they match 100% automatically u...
Aquamarine irate mexican
  09/18/17
How much do they match for you bozos
cerebral immigrant scourge upon the earth
  09/18/17
why do you hate me?
Aquamarine irate mexican
  09/18/17
i don't know. i didn't ask HR cause i just wasn't interested...
Jade Headpube Site
  09/18/17
Because it's free money for them - part of what otherwise wo...
House-broken Genital Piercing
  09/18/17
...
electric smoky depressive striped hyena
  09/18/17
hmm...
Jade Headpube Site
  09/18/17
Employer contributions are a tax write off.
Exhilarant tan university
  09/18/17
Isn't salary a write off?
Grizzly fiercely-loyal theatre legend
  09/18/17
Generally, but there are some exceptions. E.g., IRC § 1...
boyish coiffed field
  09/18/17
Price discrimination. They tell all potential employees that...
lascivious chestnut orchestra pit
  09/19/17
Is there any tax benefit that employer match has over a sala...
Comical Cruise Ship Sandwich
  09/19/17
hehe
ultramarine exciting trailer park
  09/19/17
rare cr from you ted. its a scam
ultramarine exciting trailer park
  09/19/17
Ty
Jade Headpube Site
  09/19/17
Tax favored contributions to executives are limited to a mul...
Diverse massive hospital love of her life
  09/19/17
...
Stimulating Location
  09/19/17
gotta incentivize somehow.
Burgundy tripping haunted graveyard station
  09/19/17
Avoid failing the IRS' nondiscrimination test?
Wonderful jew hissy fit
  09/19/17
...
Burgundy tripping haunted graveyard station
  09/19/17
bros, just checked and 401k is at 14.9% ytd lol wtf... s&...
Aquamarine irate mexican
  09/19/17
Euro/international stock funds are doing super well
Lilac marvelous personal credit line stead
  09/19/17
music will end any day now...
Aquamarine irate mexican
  09/19/17
bc matching was conceived of as a (poor) substitute for pens...
razzmatazz alcoholic stage sweet tailpipe
  09/19/17


Poast new message in this thread



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Jade Headpube Site

what's in it for them? My company matches 100 percent of my 401k and it got me wondering: do they get any tax breaks? why would they want to waste money from their own pocket for my 401k?

it makes do damn sense... anyways i wont want to do the 401k thingy. i think it's a boomer scam. and i also need the money.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239248)



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: useless gold state place of business

uh because it's a perk and perks help influence people's decision to work there or not?

if everyone else in the market is doing it, you have to too

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239255)



Reply Favorite

Date: September 18th, 2017 8:55 PM
Author: Jade Headpube Site

how about just increase the salary and not resources stuff on 401k scams? millenials dont buy into this whole 401k crap.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239275)



Reply Favorite

Date: September 18th, 2017 8:59 PM
Author: Apoplectic Mental Disorder Theater Stage

(Biglawyer)

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239300)



Reply Favorite

Date: September 18th, 2017 9:00 PM
Author: Jade Headpube Site

nope. more like salesman.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239311)



Reply Favorite

Date: September 19th, 2017 2:46 PM
Author: violent tanning salon preventive strike

(guy who doesn't understand taxes)

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244039)



Reply Favorite

Date: September 19th, 2017 6:53 PM
Author: Rusted chapel



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246152)



Reply Favorite

Date: September 19th, 2017 6:56 PM
Author: Exhilarant tan university



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246186)



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Indigo indian lodge



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239624)



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Emerald Police Squad School Cafeteria

free money is not a $cam bro. at least contribute up to the match jfc.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239256)



Reply Favorite

Date: September 18th, 2017 8:56 PM
Author: Jade Headpube Site

i don't know man...

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239284)



Reply Favorite

Date: September 19th, 2017 2:49 PM
Author: Burgundy tripping haunted graveyard station

you always go AT LEAST to the match. it's free money that you would likely have to save anyways. iirc, it lowers you AGI as well.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244061)



Reply Favorite

Date: September 19th, 2017 7:34 PM
Author: Lilac marvelous personal credit line stead

CR

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246429)



Reply Favorite

Date: September 18th, 2017 8:54 PM
Author: Snowy plaza keepsake machete

JFC you are way too dumb to post here.



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239258)



Reply Favorite

Date: September 18th, 2017 8:57 PM
Author: Jade Headpube Site

*invests in 401k*

*loses more than half of it during a recession*

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239290)



Reply Favorite

Date: September 18th, 2017 9:09 PM
Author: spectacular cruel-hearted volcanic crater

Doesnt invest in 401k for whole life.

Misses out on 7% average post-tax returns.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239393)



Reply Favorite

Date: September 18th, 2017 8:55 PM
Author: Aquamarine irate mexican

do you mean you dont vest so they match 100% automatically up to x%? if that's what you meant, it's for safe harbor testing so they don't get sued. gc never not gc'ing.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239273)



Reply Favorite

Date: September 18th, 2017 8:57 PM
Author: cerebral immigrant scourge upon the earth

How much do they match for you bozos

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239288)



Reply Favorite

Date: September 18th, 2017 8:58 PM
Author: Aquamarine irate mexican

why do you hate me?

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239292)



Reply Favorite

Date: September 18th, 2017 8:58 PM
Author: Jade Headpube Site

i don't know. i didn't ask HR cause i just wasn't interested in it. but a lot of older folks were.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239294)



Reply Favorite

Date: September 18th, 2017 9:11 PM
Author: House-broken Genital Piercing

Because it's free money for them - part of what otherwise would be your salary - when you don't.



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239406)



Reply Favorite

Date: September 18th, 2017 9:15 PM
Author: electric smoky depressive striped hyena



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239439)



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Jade Headpube Site

hmm...

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239621)



Reply Favorite

Date: September 18th, 2017 9:13 PM
Author: Exhilarant tan university

Employer contributions are a tax write off.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239422)



Reply Favorite

Date: September 18th, 2017 9:36 PM
Author: Grizzly fiercely-loyal theatre legend

Isn't salary a write off?

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239629)



Reply Favorite

Date: September 18th, 2017 9:42 PM
Author: boyish coiffed field

Generally, but there are some exceptions. E.g., IRC § 162(m).

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34239665)



Reply Favorite

Date: September 19th, 2017 2:03 PM
Author: lascivious chestnut orchestra pit

Price discrimination. They tell all potential employees that the perk is there but not all will use it.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243616)



Reply Favorite

Date: September 19th, 2017 2:12 PM
Author: Comical Cruise Ship Sandwich

Is there any tax benefit that employer match has over a salary increase?

I get that not all employees will use the match. But I also think tons of employees will not correctly view the match as income. Maybe the match functions as a raise only for those employees who read the fine print and care.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243702)



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: ultramarine exciting trailer park

hehe

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243703)



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: ultramarine exciting trailer park

rare cr from you ted. its a scam

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243707)



Reply Favorite

Date: September 19th, 2017 4:23 PM
Author: Jade Headpube Site

Ty

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244922)



Reply Favorite

Date: September 19th, 2017 2:36 PM
Author: Diverse massive hospital love of her life

Tax favored contributions to executives are limited to a multiple of the average employee.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243956)



Reply Favorite

Date: September 19th, 2017 2:38 PM
Author: Stimulating Location



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243972)



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: Burgundy tripping haunted graveyard station

gotta incentivize somehow.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244108)



Reply Favorite

Date: September 19th, 2017 2:39 PM
Author: Wonderful jew hissy fit

Avoid failing the IRS' nondiscrimination test?

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34243978)



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: Burgundy tripping haunted graveyard station



(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34244110)



Reply Favorite

Date: September 19th, 2017 6:44 PM
Author: Aquamarine irate mexican

bros, just checked and 401k is at 14.9% ytd lol wtf...

s&p is at 13.5%?! where's all this expansion coming from

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246056)



Reply Favorite

Date: September 19th, 2017 7:37 PM
Author: Lilac marvelous personal credit line stead

Euro/international stock funds are doing super well

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246445)



Reply Favorite

Date: September 19th, 2017 7:50 PM
Author: Aquamarine irate mexican

music will end any day now...

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34246515)



Reply Favorite

Date: September 19th, 2017 10:46 PM
Author: razzmatazz alcoholic stage sweet tailpipe

bc matching was conceived of as a (poor) substitute for pensions. it wasn't that long ago your employer was supposed to fully fund your retirement w a defined benefit.

(http://www.autoadmit.com/thread.php?thread_id=3735928&forum_id=2#34247611)