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401(k) Investments


The following list of mutual funds will be available for you to choose from within your Paychex QACA 401(k). Please review each fund prospectus carefully and consider how the risks will impact your personal situation prior to investing. For assistance with your investment choices or other retirement education and planning needs please call us at 1-800-50-PLACE OR 1-919-719-7200. Assistance is provided as an added benefit to help you meet your retirement savings goals.

Please note that no sales loads or other transaction fees will be charged for your 401(k) plan. For mutual funds which normally charge a sales load (Class A shares for example), the load has been waived for your plan. Please review the particular fund's prospectus for more information regarding the fund's fees and expenses.

 

 

 

Asset Class

 

Summary

Prospectus

Fund Card

Symbol

Rating

 

Medal

Category

 

Style

CQ/IRS1

Large-Cap Equity

                       
BlackRock S&P 500 Index Investor A    Summary Prospectus Fund Card BSPAX 4 Star Rating     Large Blend   Large Blend  

American Funds American Mutual R4 

  Summary Prospectus Fact Card RMFEX  5 Star Rating   Gold Large Value  

Large Value

 

JPMorgan Value Advantage A

  Summary Prospectus Fund Card JVAAX 4 Star Rating   Silver Large Value   Large Value  

MFS Massachusetts Inv Gr Stk R3

  Summary Prospectus Fund Card MIGHX 4 Star Rating   Bronze Large Growth   Large Growth  
                         

Mid-Cap Equity

                       

Columbia Mid Cap Index A 

  Summary Prospectus Fund Card NTIAX  4 Star Rating     Mid-Cap Blend   Mid Blend  

Victory Sycamore Established Value A

  Summary Prospectus Fund Card VETAX  5 Star Rating     Mid-Cap Value   Mid Blend  

Franklin Small-Mid Cap Growth A 

  Summary Prospectus Fund Card FRSGX 3 Star Rating     Mid-Cap Growth   Mid Growth  

Janus Enterprise A

  Summary Prospectus Fund Card JDMAX 5 Star Rating     Mid-Cap Growth   Mid Growth  
                         

Small-Cap Equity

                       

Columbia Small Cap Index A 

  Summary Prospectus Fund Card NMSAX 4 Star Rating     Small-Cap Blend   Small Blend  

Nuveen Small Cap Value A

  Summary Prospectus Fund Card FSCAX 5 Star Rating     Small-Cap Value   Small Blend  

Janus Triton A

  Summary Prospectus Fund Card JGMAX 4 Star Rating     Small-Cap Growth   Small Growth  
                         

Developed International Equity

                       

American Funds New Perspective R4 

  Summary Prospectus Fund Card RNPEX 5 Star Rating   Gold World Stock   Large Growth  

American Funds Capital World Growth & Income R4 

  Summary Prospectus Fund Card RWIEX 4 Star Rating   Gold World Stock    Large Blend   

BlackRock International Index Inv A

  Summary Prospectus Fund Card MDIIX  3 Star Rating     Foreign Large Blend   Large Blend   
                         

Emerging Market Equity

                       
American Funds New World R4   Summary Prospectus Fund Card RNWEX 5 Star Rating   Gold Diversified Emerging Mkts   Large Growth  
                         

Long-Term Fixed IncomeMid/Extensive

                Intermediate-Term Bond      
MFS Corporate Bond R3   Summary Prospectus Fund Card MFBHX 4 Star Rating Bronze Corporate Bond     Mid/Extensive
PIMCO Investment Grade Corporate Bond Fund Class A   Summary Prospectus Fund Card PBDAX  5 Star Rating   Silver Corporate Bond      
                         

Intermediate Fixed Income

                       
JPMorgan Total Return A Intermediate-Term Bond   Summary Prospectus Fund Card JMTAX 4 Star Rating     Intermediate-Term Bond     Low/Moderate
AMERICAN FUNDS INFLATION LINKED BOND R4   Summary Prospectus Fund Card RILDX 5 Star Rating     Inflation-Protected Bond     High/Moderate
American Funds US Government Sec   Summary Prospectus Fund Card RGVEX 3 Star Rating     Intermediate Government     High/Moderate
                         

Short-Term Fixed Income

          3 Star Rating            
Federated Short-Interm Ttl Ret Bd Svc Short-Term Bond   Summary Prospectus Fund Card FGCAX 5 Star Rating     Short-Term Bond  

 

Mid/Limited
Payden US Government Adviser Short Government   Summary Prospectus Fund Card
PYUWX
3 Star Rating     Short Government     High/Limited
Calvert Ultra-Short Income A Ultrashort Bond   Summary Prospectus Fund Card CULAX 4 Star Rating     Ultrashort Bond     Mid/Limited
  Low/Extensive
                         

Other/Alternative  Income

                       
Hartford Balanced Income R4*   Summary Prospectus Fact Sheet HBLSX  4 Star Rating   Silver

Allocation

30% to 50% Equity

  Large Value  
                         

Multisector Bond

                       
PIMCO INCOME A   Summary Prospectus Fund Card PONAX 5 Star Rating   Silver Multisector Bond      
                         

Allocation

                       
American Funds American Balanced R4   Summary Prospectus Fact Card RLBEX 5 Star Rating   Silver

Allocation

50% to 70% Equity

   Large Blend  
American Funds Capital Income Bldr R4    Summary Prospectus Fund Card RIREX 4 Star Rating   Silver World Allocation   Large Value Mid/Moderate
                           

Target Date 2020

                       
AMERICAN FUNDS 2020 TARGET DATE RETIREMENT R4High/Moderate   Summary Prospectus Fund Card RDCTX 5 Star Rating   Silver Target-Date   Large Blend Mid/Moderate
BlackRock LifePath Index 2020 Inv A Target-Date 2020   Summary (n/a) Prospectus Fact Sheet LIQAX 3 Star Rating   Gold
  Target-Date
  Large Blend High/Moderate
                           

Target Date 2025

                       
AMERICAN FUNDS 2025 TARGET DATE RETIREMENT R4   Summary Prospectus Fact Sheet RDDTX 5 Star Rating   Silver Target-Date  

Large Blend

Mid/Moderate
BlackRock LifePath Index 2025 Inv A Target-Date 2025   Summary (n/a) Prospectus Fact Sheet LILAX 2 Star Rating   Gold
  Target-Date
 

Large Blend

High/Moderate
            2 Star Rating            

Target Date 2030

                       
AMERICAN FUNDS 2030 TARGET DATE RETIREMENT R4   Summary Prospectus Fund Card RDETX 5 Star Rating   Silver Target-Date      
BlackRock LifePath Index 2030 Inv A Target-Date 2030   Summary Prospectus Fact Sheet LINAX 3 Star Rating   Gold Target-Date  

Large Blend

High/Moderate
                         

Target Date 2035

                       
AMERICAN FUNDS 2035 TARGET DATE RETIREMENT R4   Summary Prospectus Fund Card RDFTX 5 Star Rating   Silver Target-Date      
BlackRock LifePath Index 2035 Inv A Target-Date 2035   Summary Prospectus Fund Card LIJAX 2 Star Rating   Gold Target-Date  

Large Blend

High/Moderate
                         

Target Date 2040

                       
AMERICAN FUNDS 2040 TARGET DATE RETIREMENT R4   Summary Prospectus Fund Card RDGTX 5 Star Rating   Silver Target-Date  

 

 
BlackRock LifePath Index 2040 Inv A Target-Date 2040   Summary Prospectus Fund Card LIKAX 3 Star Rating   Gold Target-Date  

Large Blend

High/Moderate
                         

Target Date 2045

                       
AMERICAN FUNDS 2045 TARGET DATE RETIREMENT R4   Summary Prospectus Fund Card RDHTX 5 Star Rating   Silver Target-Date      
BlackRock LifePath Index 2045 Inv A Target-Date 2045   Summary Prospectus Fund Card LIHAX 3 Star Rating   Gold Target-Date  

Large Blend

High/Moderate
                         

Target Date 2050

                       
AMERICAN FUNDS 2050 TARGET DATE RETIREMENT R4   Summary Prospectus Fund Card RDITX 5 Star Rating   Silver Target-Date      
BlackRock LifePath Index 2050 Inv A Target-Date 2050   Summary Prospectus Fund Card LIPAX 3 Star Rating   Gold Target-Date  

Large Blend

High/Moderate
                         

Target Date 2055

                       
AMERICAN FUNDS 2055 TARGET DATE RETIREMENT R4   Summary Prospectus Fact Sheet RDJTX  5 Star Rating   Silver Target-Date   Large Growth Mid/Moderate
BlackRock LifePath Index 2055 Inv A Target-Date 2055   Summary Prospectus Fact Sheet LIVAX    3 Star Rating   Gold Target-Date  

Large Blend

High/Moderate
                         

Target Date 2060

                       
AMERICAN FUNDS 2060 TARGET DATE RETIREMENT R4   Summary Prospectus Fact Sheet RDKTX 5 Star Rating   Silver Target-Date   Large Growth High/Moderate
BLACKROCK LIFEPATH INDEX 2060 INV A   Summary Prospectus Fact Sheet LIZAX N/A     Target-Date    Large Blend High/Moderate
BlackRock LifePath Index Retire Inv A Target-Date Retirement    Summary Prospectus Fact Sheet LIRAX  4 Star Rating   Gold Target-Date  

Large Blend

High/Moderate
                         

Stable Value / Money Market

                       

AB Government Exchange Reserves K
Prime Money Market

  Summary Prospectus Fact Sheet AEKXX              
                         

Specialty Funds:

                       

Equity Energy

                       
Ivy Energy Y   Summary Prospectus Fact Sheet IEYYX 4 Star Rating     Equity Energy        Mid Blend  
                         

Financial

                       
1919 Financial Services A   Summary Prospectus Fact Sheet SBFAX 5 Star Rating     Financial        Mid Blend  
RMB Mendon Financial Services A   Summary Prospectus Fact Sheet RMBKX 5 Star Rating     Financial        Small Blend  
                         

Health

                       
BlackRock Health Sciences Opportunities Portfolio Investor A Shares   Summary Prospectus Fact Sheet  SHSAX 5 Star Rating     Health        Large Growth  
                         

Natural Resources

                       
AllianzGI Global Water A   Summary Prospectus Fact Sheet AWTAX 4 Star Rating     Natural Resources        Mid Growth  
Franklin Gold and Precious Metals A   Summary Prospectus Fact Sheet FKRCX 3 Star Rating     Equity Precious Metals        Mid Growth  
                         

Real Estate

                       
Principal Real Estate Securities Fund Class A   Enhanced Fact Sheet Prospectus Fact Sheet PRRAX 4 Star Rating     Real Estate        Mid Growth  
                         

Technology

                       
T. Rowe Price Science & Technology   Summary Prospectus Fact Sheet PASTX 3 Star Rating     Technology        Large Growth  
Columbia Seligman Global Technology A   Summary Prospectus Fact Sheet SHGTX 4 Star Rating     Technology        Mid Growth  
                         

Utilities

                       
Franklin Utilities R   Summary Prospectus Fact Sheet FRURX 4 Star Rating   Gold Utilities        Large Value  
                         

High Yield Bond

                       
Lord Abbett High Yield R3   Summary Prospectus Fact Sheet LHYRX 5 Star Rating   Bronze High Yield Bond        Low/Moderate  
                         
 
 

1CQ / IRS =  Credit Quality/Interest Rate Sensitivity

*Balanced Income Fund for the Cautious - 11/5/2016

 

 

 


As with any investment, there are risks. Investors should consider these risks, the investment objectives, charges and expenses outlined in the prospectus carefully before investing in any Mutual Fund. For a prospectus containing complete information, contact the fund you are considering or your broker at 1-800-50-PLACE. Read the prospectus carefully before you invest. Past performance is no guarantee of future results. Principal value and investment returns will fluctuate with changes in market conditions. An investor's shares, when redeemed may be worth more or less than their original cost.

 

 

 


     

What is a 401(k)?  Learn How to Roll Over Your 401k. 401(k) Rollover

Traditional and Roth 401(k)s are employer-provided tax deferred retirement savings tools, both offered at Place Trade. How do they work? Employees may choose to have their employers contribute a set percentage of their pretax paycheck to their 401(k) fund. Although not subject to income tax withholding, wages put into a 401(k) ARE subject to Social Security, Medicare, and Federal Unemployment taxes. The IRS and your specific 401(k) plan both set limits on the amount of money that an individual may elect to contribute to his or her 401(k) plan annually.

The advantages of keeping a portion of your retirement savings in a 401(k) plan rather than an IRA include the ability to borrow against your account, protect it from creditors under certain conditions, and make additional contributions to your account. Hardship withdrawals can be taken, although they are not treated as eligible rollover distributions. Distributions taken before the age of 59 ½ garner a 10% early distribution penalty. Different plans have different distribution requirements: some may provide for non-periodic distributions while others require you to take distributions annually.

 

 

401(k) Type

 

 

 

Tax Rules1

 

 

 

Withdrawal Rules2

 

Traditional  

 

Contributions are made from each paycheck on a pre-tax basis (before taxes are taken out).

Your taxable income decreases by the amount that you contribute to the plan.

Upon withdrawal, you must pay income taxes on contributions and earnings.

You must begin taking required minimum distributions/withdrawals (RMD) by age 70 1/2.

 

 

You cannot withdraw your funds without incurring a 10% penalty for early withdrawal before either:

  • reaching the age of 59 1/2, or 
  • you are retiring at age 55 or older.

 

Rule 72(t) May allow early distributions from your 401k (or IRA)

Roth  

 

Contributions are made on an after-tax basis.

There are no taxes paid upon withdrawal.

No minimum withdrawals are required. 

 

  You may withdraw money at any time so long as you have held the account for more than 5 years or more. 

1,2For complete rules regarding 401(k)s, please visit www.irs.gov and speak to your ax and/or legal advisor.

 

 

 

 

 

 

Employee

 

 

 

Employer / Employee Combined

 

Contribution Limits

 

 

  • Up to $18,500 in 2018.
  • Additional contributions can be made by participants age 50 or over.

 

 

 

  • Contributions per participant up to the lesser of 100% of compensation1 or $54,000 in 2017 and $55,000 for 2018 ($61,000 with the Catch-up Contribution).
  • Employer can deduct amounts that do not exceed 25% of aggregate compensation for all participants.

1,2For complete rules regarding 401(k)s, please visit www.irs.gov and speak to your ax and/or legal advisor.

Distribution requirements are dictated by the plan itself, and participants must either receive all benefits from the plan or begin receiving distributions by a specific beginning date (April 1st of the latter of the year that the participant retires or the year he or she turns 70 ½). Plan administrators are responsible for determining the minimum required distribution for each calendar year. However, if you find yourself switching employers before it is time to take advantage of your retirement plan’s benefits, you have several options. You can roll over your investments to an IRA, transfer them to your new employer’s 401(k) plan, or in some cases, you can leave them where they are.


 

401(k) Type

 

 

 

Monetary Amount

 

 

 

Conditions

 

Participant Contribution  
  • Up to $18,500 in 2018
  • Up to $18,000 in 2017
 

Salary deferrals made into other qualified plans count against contribution limits

Participant Catch-up Contribution  
  • $6,000 in 2018
  • $6,000 in 2017
  Catch-up contributions can be made by participants age 50 and over.   

Maximum Contribution Employer may Deduct

(Includes both Employer & Employee)

   

    25% of payroll

 

Payroll limited to:

  • $275,000 in 2018 
  • $270,000 in 2017

Maximum Allocation to Participant's Account

(Includes both Employer's & Employee's combined contribution) 

  The lesser of 100% of participant's total pay or $55,000 in 2018.  

 

1,2For complete rules regarding 401(k)s, please visit www.irs.gov and speak to your ax and/or legal advisor.


Please be sure to check with your tax and/or legal advisor prior to making any contributions, withdrawals or other changes to your retirement account. Place Trade Financial, Inc. does not offer tax or legal advice. Information provided by Place Trade is for educational purposes and should not be considered as tax or legal advice under any circumstances.   


Retirement plan specialists are available to help you assess your options and determine which retirement planning strategy best fits your needs.

Changing Jobs? What to Do With an Old 401(k) 

   

Call us today at 919-719-7200 or 800-50-PLACE for more information!

   

Changing Jobs? What to Do With an Old 401(k) 

 

Retirement Planning: Individuals

Traditional IRA Roth IRA Rollover IRAs 401(k) Rollovers

Qualified Plans: Business

SEP IRA

SIMPLE IRA

401(k)

 

  Trade Options | Margin IRA IRA Trading Permissions Get Advice or Trade Online Cashing Out your 401(k) Switching Jobs? View Options From Ramen to Retirement  
 
What can you do with your 401(k) when you change jobs? Get straightforward advice about your retirement plan options so you can make smart decisions! How to Roll Over Your 401k. 401k roll over
  Full-service financial planning and investment advice are available to all of our US clients. Please speak with your full-service financial professional regarding pricing for specific services. Full-Service commissions and fees vary by products, services, and Investment Company. Additionally, full-service commissions are different from and are not included in the deep discount online trading commission schedules listed on this website.  

What is 401k contribution limit for 2018? What is the limit for 401k contributions in 2019? What is the 401k catch up contribution limit for 2018? How much do you contribute to your 401k?

 

Make smart decisions with your old retirement plans today so that you can maximize your potential and get the most of your financial future!

 

Rollover your old 401(k) to a Place Trade Self-Directed IRA or Speak with one of our Experienced Financial Consultants to get Advice on your options or help develop a new financial plan.


Please be sure to check with your tax and/or legal advisor prior to making any contributions, withdrawals or other changes to your retirement account. Place Trade Financial, Inc. does not offer tax or legal advice. Information provided by Place Trade is for educational purposes and should not be considered as tax or legal advice under any circumstances.


Rollover your old 401(k) to a Place Trade Self-Directed IRA or Speak with one of our Experienced Financial Consultants to get Advice on your options or help develop a new financial plan.

 

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Learn more about retirement planning by visiting some of the links below:

Roth IRA

SEP IRA

SIMPLE IRA

Traditional IRA

Qualified Plans

Rollover IRAs

Find out how Place Trade can help you get the most out of your college planning by visiting some of the links below:


Coverdell ESA

529 College Savings Plans

UGMA/UTMA Accounts

 

 

 

All investing involves risk, including the possible loss of principal and there can be no assurance that any investment strategy will be successful.