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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 ...
swollen burgundy station
  09/18/17
uh because it's a perk and perks help influence people's dec...
Stirring Red Church Building
  09/18/17
how about just increase the salary and not resources stuff o...
swollen burgundy station
  09/18/17
(Biglawyer)
indecent citrine theater stage
  09/18/17
nope. more like salesman.
swollen burgundy station
  09/18/17
(guy who doesn't understand taxes)
Black Travel Guidebook Rigor
  09/19/17
...
Puce insanely creepy gay wizard hissy fit
  09/19/17
...
lime deranged legal warrant principal's office
  09/19/17
...
fragrant sienna multi-billionaire quadroon
  09/18/17
free money is not a $cam bro. at least contribute up to the...
Opaque Ticket Booth
  09/18/17
i don't know man...
swollen burgundy station
  09/18/17
you always go AT LEAST to the match. it's free money that y...
Mauve Bespoke Weed Whacker
  09/19/17
CR
beady-eyed alpha
  09/19/17
JFC you are way too dumb to post here.
Flesh casino internal respiration
  09/18/17
*invests in 401k* *loses more than half of it during a re...
swollen burgundy station
  09/18/17
Doesnt invest in 401k for whole life. Misses out on 7% av...
Snowy Painfully Honest Mental Disorder Office
  09/18/17
do you mean you dont vest so they match 100% automatically u...
Titillating gunner
  09/18/17
How much do they match for you bozos
Useless base athletic conference
  09/18/17
why do you hate me?
Titillating gunner
  09/18/17
i don't know. i didn't ask HR cause i just wasn't interested...
swollen burgundy station
  09/18/17
Because it's free money for them - part of what otherwise wo...
dashing university knife
  09/18/17
...
Adventurous Roommate
  09/18/17
hmm...
swollen burgundy station
  09/18/17
Employer contributions are a tax write off.
lime deranged legal warrant principal's office
  09/18/17
Isn't salary a write off?
Massive Yellow Immigrant Hall
  09/18/17
Generally, but there are some exceptions. E.g., IRC § 1...
supple crackhouse police squad
  09/18/17
Price discrimination. They tell all potential employees that...
Exciting Grizzly Theater
  09/19/17
Is there any tax benefit that employer match has over a sala...
splenetic prole pocket flask
  09/19/17
hehe
Diverse harsh ape
  09/19/17
rare cr from you ted. its a scam
Diverse harsh ape
  09/19/17
Ty
swollen burgundy station
  09/19/17
Tax favored contributions to executives are limited to a mul...
Jade frisky market reading party
  09/19/17
...
light locale dragon
  09/19/17
gotta incentivize somehow.
Mauve Bespoke Weed Whacker
  09/19/17
Avoid failing the IRS' nondiscrimination test?
Rough-skinned stag film
  09/19/17
...
Mauve Bespoke Weed Whacker
  09/19/17
bros, just checked and 401k is at 14.9% ytd lol wtf... s&...
Titillating gunner
  09/19/17
Euro/international stock funds are doing super well
beady-eyed alpha
  09/19/17
music will end any day now...
Titillating gunner
  09/19/17
bc matching was conceived of as a (poor) substitute for pens...
Aquamarine exhilarant turdskin circlehead
  09/19/17


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Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: swollen burgundy station

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: Stirring Red Church Building

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: swollen burgundy station

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: indecent citrine 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: swollen burgundy station

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: Black Travel Guidebook Rigor

(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: Puce insanely creepy gay wizard hissy fit



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



Reply Favorite

Date: September 19th, 2017 6:56 PM
Author: lime deranged legal warrant principal's office



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: fragrant sienna multi-billionaire quadroon



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



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Opaque Ticket Booth

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: swollen burgundy station

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: Mauve Bespoke Weed Whacker

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: beady-eyed alpha

CR

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



Reply Favorite

Date: September 18th, 2017 8:54 PM
Author: Flesh casino internal respiration

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: swollen burgundy station

*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: Snowy Painfully Honest Mental Disorder Office

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: Titillating gunner

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: Useless base athletic conference

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: Titillating gunner

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: swollen burgundy station

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: dashing university knife

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: Adventurous Roommate



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: swollen burgundy station

hmm...

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



Reply Favorite

Date: September 18th, 2017 9:13 PM
Author: lime deranged legal warrant principal's office

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: Massive Yellow Immigrant Hall

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: supple crackhouse police squad

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: Exciting Grizzly Theater

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: splenetic prole pocket flask

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: Diverse harsh ape

hehe

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



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: Diverse harsh ape

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: swollen burgundy station

Ty

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



Reply Favorite

Date: September 19th, 2017 2:36 PM
Author: Jade frisky market reading party

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: light locale dragon



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



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: Mauve Bespoke Weed Whacker

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: Rough-skinned stag film

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: Mauve Bespoke Weed Whacker



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



Reply Favorite

Date: September 19th, 2017 6:44 PM
Author: Titillating gunner

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: beady-eyed alpha

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: Titillating gunner

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: Aquamarine exhilarant turdskin circlehead

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)