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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 ...
Amethyst swashbuckling space
  09/18/17
uh because it's a perk and perks help influence people's dec...
self-absorbed bossy field
  09/18/17
how about just increase the salary and not resources stuff o...
Amethyst swashbuckling space
  09/18/17
(Biglawyer)
Passionate impertinent spot
  09/18/17
nope. more like salesman.
Amethyst swashbuckling space
  09/18/17
(guy who doesn't understand taxes)
exhilarant shimmering business firm goal in life
  09/19/17
...
massive clown
  09/19/17
...
Racy Temple
  09/19/17
...
Dull hairraiser son of senegal theater stage
  09/18/17
free money is not a $cam bro. at least contribute up to the...
sinister juggernaut school
  09/18/17
i don't know man...
Amethyst swashbuckling space
  09/18/17
you always go AT LEAST to the match. it's free money that y...
carmine floppy preventive strike
  09/19/17
CR
Dark Vibrant Travel Guidebook Lay
  09/19/17
JFC you are way too dumb to post here.
hyperventilating indirect expression
  09/18/17
*invests in 401k* *loses more than half of it during a re...
Amethyst swashbuckling space
  09/18/17
Doesnt invest in 401k for whole life. Misses out on 7% av...
Territorial jet becky
  09/18/17
do you mean you dont vest so they match 100% automatically u...
Diverse Striped Hyena Community Account
  09/18/17
How much do they match for you bozos
Orchid point doctorate
  09/18/17
why do you hate me?
Diverse Striped Hyena Community Account
  09/18/17
i don't know. i didn't ask HR cause i just wasn't interested...
Amethyst swashbuckling space
  09/18/17
Because it's free money for them - part of what otherwise wo...
gold hospital
  09/18/17
...
zippy coral milk
  09/18/17
hmm...
Amethyst swashbuckling space
  09/18/17
Employer contributions are a tax write off.
Racy Temple
  09/18/17
Isn't salary a write off?
Curious dilemma
  09/18/17
Generally, but there are some exceptions. E.g., IRC § 1...
Frisky drunken lettuce
  09/18/17
Price discrimination. They tell all potential employees that...
smoky wagecucks
  09/19/17
Is there any tax benefit that employer match has over a sala...
Mind-boggling shaky school cafeteria
  09/19/17
hehe
Talented Nursing Home Rigor
  09/19/17
rare cr from you ted. its a scam
Talented Nursing Home Rigor
  09/19/17
Ty
Amethyst swashbuckling space
  09/19/17
Tax favored contributions to executives are limited to a mul...
Green immigrant
  09/19/17
...
Deranged Hominid Partner
  09/19/17
gotta incentivize somehow.
carmine floppy preventive strike
  09/19/17
Avoid failing the IRS' nondiscrimination test?
Cobalt theater selfie
  09/19/17
...
carmine floppy preventive strike
  09/19/17
bros, just checked and 401k is at 14.9% ytd lol wtf... s&...
Diverse Striped Hyena Community Account
  09/19/17
Euro/international stock funds are doing super well
Dark Vibrant Travel Guidebook Lay
  09/19/17
music will end any day now...
Diverse Striped Hyena Community Account
  09/19/17
bc matching was conceived of as a (poor) substitute for pens...
Crimson histrionic legend
  09/19/17


Poast new message in this thread



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Amethyst swashbuckling space

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: self-absorbed bossy field

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: Amethyst swashbuckling space

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: Passionate impertinent spot

(Biglawyer)

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



Reply Favorite

Date: September 18th, 2017 9:00 PM
Author: Amethyst swashbuckling space

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: exhilarant shimmering business firm goal in life

(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: massive clown



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



Reply Favorite

Date: September 19th, 2017 6:56 PM
Author: Racy Temple



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Dull hairraiser son of senegal theater stage



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



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: sinister juggernaut school

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: Amethyst swashbuckling space

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: carmine floppy preventive strike

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: Dark Vibrant Travel Guidebook Lay

CR

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



Reply Favorite

Date: September 18th, 2017 8:54 PM
Author: hyperventilating indirect expression

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: Amethyst swashbuckling space

*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: Territorial jet becky

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: Diverse Striped Hyena Community Account

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: Orchid point doctorate

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: Diverse Striped Hyena Community Account

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: Amethyst swashbuckling space

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: gold hospital

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: zippy coral milk



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: Amethyst swashbuckling space

hmm...

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



Reply Favorite

Date: September 18th, 2017 9:13 PM
Author: Racy Temple

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: Curious dilemma

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: Frisky drunken lettuce

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: smoky wagecucks

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: Mind-boggling shaky school cafeteria

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: Talented Nursing Home Rigor

hehe

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



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: Talented Nursing Home Rigor

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: Amethyst swashbuckling space

Ty

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



Reply Favorite

Date: September 19th, 2017 2:36 PM
Author: Green immigrant

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: Deranged Hominid Partner



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



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: carmine floppy preventive strike

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: Cobalt theater selfie

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: carmine floppy preventive strike



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



Reply Favorite

Date: September 19th, 2017 6:44 PM
Author: Diverse Striped Hyena Community Account

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: Dark Vibrant Travel Guidebook Lay

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: Diverse Striped Hyena Community Account

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: Crimson histrionic legend

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)