B4B Employee Blog https://www.betterment.com/employees/resources Find out how to make the most of your 401(k) plan and start saving for your future. en Mon, 12 Dec 2022 16:12:31 GMT 2022-12-12T16:12:31Z en Welcome to Student Loan Management https://www.betterment.com/employees/resources/welcome-to-student-loan-management <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/welcome-to-student-loan-management" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/Featured-images/student-loan-management.png" alt="Illustration of graduation caps thrown in the air" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Manage your student loans with this step-by-step guide.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/welcome-to-student-loan-management" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/Featured-images/student-loan-management.png" alt="Illustration of graduation caps thrown in the air" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Manage your student loans with this step-by-step guide.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2Fwelcome-to-student-loan-management&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Fri, 21 Oct 2022 04:00:00 GMT https://www.betterment.com/employees/resources/welcome-to-student-loan-management 2022-10-21T04:00:00Z Betterment Editors What is the maximum 401(k) contribution? https://www.betterment.com/employees/resources/retirement-plan-contribution-limits-and-rules <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/retirement-plan-contribution-limits-and-rules" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/feature-image-common-investor-mistakes.png" alt="What is the maximum 401(k) contribution?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Everything you should know to help your employees save smarter this year.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/retirement-plan-contribution-limits-and-rules" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/feature-image-common-investor-mistakes.png" alt="What is the maximum 401(k) contribution?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Everything you should know to help your employees save smarter this year.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2Fretirement-plan-contribution-limits-and-rules&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Next-level planning Thu, 22 Sep 2022 18:06:00 GMT https://www.betterment.com/employees/resources/retirement-plan-contribution-limits-and-rules 2022-09-22T18:06:00Z Betterment Editors How to pick a 401(k) contribution rate https://www.betterment.com/employees/resources/401k-contribution-rate <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/401k-contribution-rate" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/putting-in-coins.png" alt="putting-in-coins" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Your 401(k) contribution rate - also known as a deferral rate or savings rate - is a key part of a successful retirement strategy.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/401k-contribution-rate" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/putting-in-coins.png" alt="putting-in-coins" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Your 401(k) contribution rate - also known as a deferral rate or savings rate - is a key part of a successful retirement strategy.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2F401k-contribution-rate&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Getting started Thu, 22 Sep 2022 14:08:00 GMT https://www.betterment.com/employees/resources/401k-contribution-rate 2022-09-22T14:08:00Z Betterment Editors When’s the best time to invest for retirement? Now. | Betterment https://www.betterment.com/employees/resources/start-investing-retirement <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/start-investing-retirement" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/contribution-tree-compound-interest.png" alt="Growing a tree" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> Should you start saving for retirement? Unless you are on one of those richest-people-in-the-world lists - then the answer is, most likely, yes. <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/start-investing-retirement" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/contribution-tree-compound-interest.png" alt="Growing a tree" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> Should you start saving for retirement? Unless you are on one of those richest-people-in-the-world lists - then the answer is, most likely, yes. <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2Fstart-investing-retirement&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Getting started Wed, 21 Sep 2022 20:42:00 GMT https://www.betterment.com/employees/resources/start-investing-retirement 2022-09-21T20:42:00Z Betterment Editors Your Betterment 401(k) - One Amazing Benefit https://www.betterment.com/employees/resources/your-betterment-401k <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/your-betterment-401k" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/your-betterment-401k.png" alt="your-betterment-401k" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Your employer chose Betterment as its 401(k) provider - so come on in and be invested for your future.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/your-betterment-401k" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/your-betterment-401k.png" alt="your-betterment-401k" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Your employer chose Betterment as its 401(k) provider - so come on in and be invested for your future.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2Fyour-betterment-401k&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Getting started Wed, 21 Sep 2022 17:41:00 GMT https://www.betterment.com/employees/resources/your-betterment-401k 2022-09-21T17:41:00Z Betterment Editors Rolling over is more than a dog trick https://www.betterment.com/employees/resources/401k-roll-over <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/401k-roll-over" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/dog-rolling-over.png" alt="dog-rolling-over" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Three reasons why rolling over 401(k)s from former employers may make sense.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/401k-roll-over" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/dog-rolling-over.png" alt="dog-rolling-over" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Three reasons why rolling over 401(k)s from former employers may make sense.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2F401k-roll-over&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Getting started Wed, 21 Sep 2022 17:36:00 GMT https://www.betterment.com/employees/resources/401k-roll-over 2022-09-21T17:36:00Z Betterment Editors Why diversify outside of the US? https://www.betterment.com/employees/resources/diversify-outside-us <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/diversify-outside-us" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/Featured-images/pie-chart-slice.png" alt="Pie chart" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>The outperformance of US stocks in recent history has led some investors to question whether they should invest outside the US at all, yet there remains compelling reasons to diversify globally.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/diversify-outside-us" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/Featured-images/pie-chart-slice.png" alt="Pie chart" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>The outperformance of US stocks in recent history has led some investors to question whether they should invest outside the US at all, yet there remains compelling reasons to diversify globally.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2Fdiversify-outside-us&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Investing with Betterment Wed, 21 Sep 2022 14:33:00 GMT ben.bakkum@betterment.com (Ben Bakkum | Quantitative Investing Associate, Betterment) https://www.betterment.com/employees/resources/diversify-outside-us 2022-09-21T14:33:00Z What is a Required Minimum Distribution? https://www.betterment.com/employees/resources/required-minimum-distributions-age <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/required-minimum-distributions-age" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/Featured-images/reaching-the-pinnacle-financial-pyramid.jpg" alt="What is a Required Minimum Distribution?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>In exchange for all of the tax advantages 401(k)s provided during your accumulation years, by law, you will need to start taking distributions from your account when you turn 72.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/required-minimum-distributions-age" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/Featured-images/reaching-the-pinnacle-financial-pyramid.jpg" alt="What is a Required Minimum Distribution?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>In exchange for all of the tax advantages 401(k)s provided during your accumulation years, by law, you will need to start taking distributions from your account when you turn 72.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2Frequired-minimum-distributions-age&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Preparing to retire Thu, 15 Sep 2022 20:47:00 GMT https://www.betterment.com/employees/resources/required-minimum-distributions-age 2022-09-15T20:47:00Z Betterment Editors Traditional and Roth 401(k)s https://www.betterment.com/employees/resources/traditional-and-roth-401ks <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/traditional-and-roth-401ks" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/puzzle-pieces.png" alt="puzzle pieces with Betterment logo" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Not sure what the difference is between traditional and Roth contributions for your 401(k)? We’ll explain.</p> <div class="hs-featured-image-wrapper"> <a href="https://www.betterment.com/employees/resources/traditional-and-roth-401ks" title="" class="hs-featured-image-link"> <img src="https://www.betterment.com/hubfs/Graphics/featured-images/puzzle-pieces.png" alt="puzzle pieces with Betterment logo" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"> </a> </div> <p>Not sure what the difference is between traditional and Roth contributions for your 401(k)? We’ll explain.</p> <img src="https://track.hubspot.com/__ptq.gif?a=5274572&amp;k=14&amp;r=https%3A%2F%2Fwww.betterment.com%2Femployees%2Fresources%2Ftraditional-and-roth-401ks&amp;bu=https%253A%252F%252Fwww.betterment.com%252Femployees%252Fresources&amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "> Next-level planning Wed, 14 Sep 2022 17:51:06 GMT https://www.betterment.com/employees/resources/traditional-and-roth-401ks 2022-09-14T17:51:06Z Betterment Editors