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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 ...
plum vibrant center mother
  09/18/17
uh because it's a perk and perks help influence people's dec...
Razzmatazz Nursing Home Toaster
  09/18/17
how about just increase the salary and not resources stuff o...
plum vibrant center mother
  09/18/17
(Biglawyer)
Bespoke fishy brethren
  09/18/17
nope. more like salesman.
plum vibrant center mother
  09/18/17
(guy who doesn't understand taxes)
Useless lavender heaven azn
  09/19/17
...
Flickering Hairraiser Brunch
  09/19/17
...
Buck-toothed digit ratio
  09/19/17
...
180 gaming laptop kitchen
  09/18/17
free money is not a $cam bro. at least contribute up to the...
Mauve Church Building Trust Fund
  09/18/17
i don't know man...
plum vibrant center mother
  09/18/17
you always go AT LEAST to the match. it's free money that y...
Dashing charcoal community account
  09/19/17
CR
federal amber background story nowag
  09/19/17
JFC you are way too dumb to post here.
Misanthropic Menage Circlehead
  09/18/17
*invests in 401k* *loses more than half of it during a re...
plum vibrant center mother
  09/18/17
Doesnt invest in 401k for whole life. Misses out on 7% av...
Mustard haunting theatre windowlicker
  09/18/17
do you mean you dont vest so they match 100% automatically u...
hateful fat ankles state
  09/18/17
How much do they match for you bozos
glittery turquoise prole
  09/18/17
why do you hate me?
hateful fat ankles state
  09/18/17
i don't know. i didn't ask HR cause i just wasn't interested...
plum vibrant center mother
  09/18/17
Because it's free money for them - part of what otherwise wo...
Sepia dingle berry parlor
  09/18/17
...
Red puppy hall
  09/18/17
hmm...
plum vibrant center mother
  09/18/17
Employer contributions are a tax write off.
Buck-toothed digit ratio
  09/18/17
Isn't salary a write off?
flesh big-titted resort legal warrant
  09/18/17
Generally, but there are some exceptions. E.g., IRC § 1...
slippery marvelous gas station
  09/18/17
Price discrimination. They tell all potential employees that...
Maniacal racy turdskin
  09/19/17
Is there any tax benefit that employer match has over a sala...
Fluffy house messiness
  09/19/17
hehe
concupiscible sadistic tattoo love of her life
  09/19/17
rare cr from you ted. its a scam
concupiscible sadistic tattoo love of her life
  09/19/17
Ty
plum vibrant center mother
  09/19/17
Tax favored contributions to executives are limited to a mul...
thriller low-t corner
  09/19/17
...
french crimson karate elastic band
  09/19/17
gotta incentivize somehow.
Dashing charcoal community account
  09/19/17
Avoid failing the IRS' nondiscrimination test?
Bonkers Chad
  09/19/17
...
Dashing charcoal community account
  09/19/17
bros, just checked and 401k is at 14.9% ytd lol wtf... s&...
hateful fat ankles state
  09/19/17
Euro/international stock funds are doing super well
federal amber background story nowag
  09/19/17
music will end any day now...
hateful fat ankles state
  09/19/17
bc matching was conceived of as a (poor) substitute for pens...
Tripping Soul-stirring Orchestra Pit Feces
  09/19/17


Poast new message in this thread



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: plum vibrant center mother

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: Razzmatazz Nursing Home Toaster

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: plum vibrant center mother

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: Bespoke fishy brethren

(Biglawyer)

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



Reply Favorite

Date: September 18th, 2017 9:00 PM
Author: plum vibrant center mother

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: Useless lavender heaven azn

(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: Flickering Hairraiser Brunch



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



Reply Favorite

Date: September 19th, 2017 6:56 PM
Author: Buck-toothed digit ratio



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: 180 gaming laptop kitchen



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



Reply Favorite

Date: September 18th, 2017 8:53 PM
Author: Mauve Church Building Trust Fund

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: plum vibrant center mother

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: Dashing charcoal community account

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: federal amber background story nowag

CR

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



Reply Favorite

Date: September 18th, 2017 8:54 PM
Author: Misanthropic Menage Circlehead

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: plum vibrant center mother

*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: Mustard haunting theatre windowlicker

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: hateful fat ankles state

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: glittery turquoise prole

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: hateful fat ankles state

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: plum vibrant center mother

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: Sepia dingle berry parlor

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: Red puppy hall



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



Reply Favorite

Date: September 18th, 2017 9:35 PM
Author: plum vibrant center mother

hmm...

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



Reply Favorite

Date: September 18th, 2017 9:13 PM
Author: Buck-toothed digit ratio

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: flesh big-titted resort legal warrant

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: slippery marvelous gas station

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: Maniacal racy turdskin

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: Fluffy house messiness

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: concupiscible sadistic tattoo love of her life

hehe

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



Reply Favorite

Date: September 19th, 2017 2:13 PM
Author: concupiscible sadistic tattoo love of her life

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: plum vibrant center mother

Ty

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



Reply Favorite

Date: September 19th, 2017 2:36 PM
Author: thriller low-t corner

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: french crimson karate elastic band



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



Reply Favorite

Date: September 19th, 2017 2:55 PM
Author: Dashing charcoal community account

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: Bonkers Chad

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: Dashing charcoal community account



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



Reply Favorite

Date: September 19th, 2017 6:44 PM
Author: hateful fat ankles state

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: federal amber background story nowag

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: hateful fat ankles state

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: Tripping Soul-stirring Orchestra Pit Feces

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)