Instead of simply vowing to save more money, why not commit to earning more? Our online learning center is a go-to destination for quick-hit, easy-to-grasp education and tools. Profit and prosper with the best of expert advice - straight to your e-mail. These tools help you make your case. Next, we need to calculate your direct fees. And there's no minimum initial investment. VGI has entered into an agreement with Ascensus, Inc., to provide certain plan recordkeeping and administrative services on its behalf. (Fidelity also has an index-based series, called Fidelity Freedom Index, which also ranks high in 401(k) assets.). You have access to the information both via the small business portal and your personal vanguard account. "Vanguard Institutional Index Fund Institutional Shares(VINIX). Vanguard Marketing Corporation ("VMC") is the distributor of the Vanguard Funds and a subsidiary of The Vanguard Group, Inc. VMC is a registered broker-dealer, member FINRA. The SECURE 2.0 Act of 2022, part of the Consolidated Appropriations Act (CAA) of 2023, is legislation that contains 92 provisions aimed at strengthening retirement savings in important ways. In 2021, Vanguard is ranked #43 for 1-year performance and #5 for 5-year performance. If you have a specific question that's not answered here, please call us at 877-456-0777. Nonhardship distributions also hit an all-time high in October almost 0.9% of participants took one that month, according to Vanguard . Guideline gets our nod as the best 401(k) plan providers for small businesses because of their high quality, low-fee . Which retirement plan is right for you and your employees? "401(k) Limit Increases to $22,500 for 2023, IRA Limit Rises to $6,500., Internal Revenue Service. A small business owner can start a 401 (k) plan by working with a retirement plan provider. Growth stocks, and the funds that favor them, will come back eventually, and this fund has proved to be a winner over the long haul. Institutional investors Vanguards bread and butter are its mutual funds, and the company has a diverse list of more than 100 of them. Will Danoff has run the fund since 1990 and delivered spectacular long-term returns. Page 3: "How America Saves 2021: Small business edition." All investing is subject to risk, including the possible loss of the money you invest. If you're starting a new 401(k), your small business may be eligible to receive up to $16,500 in tax credits over the plan's first three years to help offset initial . Through a combination of elective salary deferrals and profit sharing, these plans allow participants to contribute more of their income than would be possible with some other types of retirement plans. First time using a 401k for my Roth IRA I am invested in the VOO , perhaps I'm too concentrated in the S&P500 SilencioNico Rate my Portfolio: 401k 100% TDF 2055, Roth IRA 100% VT, Taxable 100% VOO Check out our comparison table. First, enter the fund information from your Vanguard 408(b)(2) and Statement of Assets documents into the spreadsheet. In this step, well enter the information we found into our spreadsheet to calculate your plans total cost or all-in fee. While its $25,611.64 all-in fee (1.58% of plan assets) was only a bit above the studys 1.40% average, its $2,521.81 per capita administration fee ($17,652.64/7 participants) was about six times average! Vanguard Target Retirement 2030 Fund : BUY. Investopedia does not include all offers available in the marketplace. Several Vanguard target-date funds rank among the most widely held funds in 401(k) plans. This plan is for businesses with fewer than 100 employees and encourages employee contributions. Charging no hidden fees makes it much easier for small businesses to calculate the total cost of a Vanguard plan. Contrafund has underperformed the broad market recently as investors have spurned growth stocks in favor of those with a value tilt. You're missing out. Use our guide to 401(k) funds to boost the performance of your retirement portfolio. Get started Discover educational resources that can help you and your clients guide participants to retirement goals. But there has been a changing of the guard. Starting a Solo 401K at Vanguard is easy. To calculate your per-capita administration fees, simply divide the administration fee total from your spreadsheet by the number of participants in your plan. The stock markets icy turn hasnt helped, either. For example, the Vanguard Institutional Index mutual fund is one of the most common funds included in 401(k) portfolios from any provider. Get to know the retirement plans that Vanguard offers for small businesses: the SEP-IRA, the SIMPLE IRA, the Individual 401(k), and the Small Plan 401(k). In 2010, I opened a solo 401k plan with Vanguard. Request information. Excess administration fees basically, fees that outstretch your 401(k) providers level of service might not be readily apparent if theyre solely evaluated on an all-in basis with investment expenses. Stashing money in your 401(k) account as you juggle other obligations can be difficult. to provide . And the tide is turning. Are you a Vanguard personal investor (a general brokerage, IRA, or small business investor) or looking for information about Vanguard and our services? Claire Boyte-White is the lead writer for NapkinFinance.com, co-author of I Am Net Worthy, and an Investopedia contributor. While all 401(k) plans require administrative fees, small businesses don't require the same amount of work as larger plans, so lower fees make sense. In addition to your plan contributions, the compounding of interest, dividends, and capital gains allows your account to generate earnings on top of earnings. For the next 30 years, she let the stock investment grow in her tax-sheltered account (which could be an I.R.A., a 401(k) or even a health savings account). Even so, were watching the fund, and we rate it a hold. No matter how well manager changes are orchestrated, when a different person is running the show, the fund will reflect that in small or even big ways. An investment in a Target Retirement Trust or Fund is not guaranteed at any time, including on or after the target date. Even funds that invest in ultra-short-maturity bonds a sector that is less sensitive to interest rates lost ground (though not as much as Total Return). Then we pick the funds apart, analyzing them and rating each one buy, sell or hold.. It also tilts more toward midsize companies than the behemoths found in most large-growth funds. Since many small businesses don't employ trained benefits specialists, the person selecting the plan may not know what to watch out for. We have evaluated the fees of a few Vanguard plans over the years as part of our 401(k) fee comparison service. Offer a 401(k) for one simple price. T. Rowe Price Blue Chip Growth (TRBCX): HOLD. Employees cant get questions about their investments answered directly, and have to contact the plan administrator instead. To be included in the ranking, a firm must have at least three funds in the general equity category, one world equity, one mixed equity (such as a balanced or target-date fund), two taxable bond funds, and one national tax-exempt bond fund. Open or Update a Small Business Account. Retirement plan participants. Vanguard is responsible only for selecting the underlying funds and periodically rebalancing the holdings of target-date investments. There is no plan setup fee, either. And if you employ others, you'll be helping them get on the right track for retirement too. Contact Us. Password. And figuring out how to invest your savings? Though income tax is due at the time of withdrawal, most people are in lower tax brackets after retirement, so their total tax burdens are reduced. If you have questions about Vanguard 401(k) fees how they work, how much they cost on average, or how you can find & calculate them for your plan youve come to the right place. The fund has stumbled along with other growth-stock funds recently, as market attention has turned toward bargain-priced stocks. It would be recommended to reach out to an accountant to ensure this gets recorded properly. Call 877-456-0777 for more information or to get help setting up a 401 (k) plan. Are you a Vanguard client looking for a small-business plan? VEA tracks the performance of the FTSE Developed All Cap ex U.S. Index, a market . Step 4. The Vanguard Retirement Access plan is a product designed specifically for small businesses, but it is not a formal 401(k) plan that a small business signs up for directly. For people who invest through their employer in a Vanguard 401(k), 403(b), or other retirement plan. Kiplinger isn't Nellie's first foray into personal finance: She has also worked at SmartMoney (rising from fact-checker to senior writer), and she was a senior editor at Money. ", Internal Revenue Service. Often the funds will have high expense ratios unless your plan manager has done a good job and you have few low cost funds to pick from. Vanguard - Sign Up for Access RETIREMENT PLANS 1995-2023 The Vanguard Group, Inc. All rights reserved. Visit our corporate site. Everyone. Eligibility is first calculated using qualifying assets for an individual client. User name. All investing is subject to risk, including the possible loss of the money you invest. Learn about tax withholding for your . The total limit is $51,000 in 2013 and $52,000 in 2014. Diversification does not ensure a profit or protect against a loss. That said, their pricing model can also be on the expensive side for startup plans, as well as plans with lots of participants. We'll show you how to do so next. Bear markets are painful, Danoff said in a recent fund commentary. Vanguard does not guarantee any level of service. Request information. The category weightings for the five-year results were general equity, 37.3%; mixed asset, 21%; world equity, 16.5%; taxable bond, 20.8%; and tax-exempt bond, 4.4%. Heres how it works. The Vanguard 401(k) plan doesnt normally offer customer service directly to an employer, as most of these plans are handled through an intermediary such as a plan administrator. And we have the accolades to prove it: Barrons ranked us number one for 10-year returns and 5th for 5-year returns.*. Which means less manual work for you: contribution deductions every pay period, employee data is seamlessly synced, and in most cases, fund transfers to your 401 (k) provider with no extra work for you. The same process is repeated to determine the five-and 10-year rankings. Rollovers of pre-tax assets are permitted. View webinars and email campaigns designed to educate and inform retirement plan participants. Best PEO Companies for Business (Recommended 2022), Great for small businesses that arent as familiar with 401(k) plans, Attractive options for mutual funds, target date funds and even ETFs, High-performing funds, especially mutual funds, Well-respected company in the investment marketplace, Offers an option for both traditional and Roth contributions, No direct customer service for the employer and the employees, Not a simple sign-up process, since a plan administrator will have to cobble together funds to create a plan, Technology that runs the platform could use an update. . Weve chosen these resources to help you keep participants well informed on their retirement journeys. Vanguard terminated our small business 401k several years ago which was fine by me because their administration of the plan was archaic at best. Get an inside look at how we used adult learning theory to inform the latest design of our participant education offerings. 97.16. A 401(k) Plan for the Small Business Owner. Learn more about small-business retirement. Our investment-only service opens the door for you to offer Vanguard funds. At this point, all of your administration fees and investment expenses (net of indirect fees) should be broken out and totaled, giving you the all-in fee of your Vanguard plan ($4,353.29 in our example). I'm really struggling. Greene looks for the same types of stocks as his predecessor, Larry Puglia, did fairly priced, high-quality, giant companies with above-average earnings growth. 1. This makes the process a little more difficult and complicated than it has to be, but designing a 401(k) plan with Vanguards attractive funds is still very possible. Pension solutions. Leverage powerful tools and proven solutions to assess your client's plan's effectiveness and help their employees achieve retirement readiness. * For plans with $2 million or more in assets. Here are responses to some of the most common questions we hear. Safe Harbor employer matching contributions 4. With generous contribution limits, the SEP-IRA (Simplified Employee Pension) plan is the simplest, most flexible, tax-deferred retirement plan you can sponsor. Our research can help you better communicate some of the many services you offer to help support plan sponsors. Those would be two different logins. If you don't have an EIN, apply for one online at. 1 Three investment line-ups are available for participants, based on their familiarity with investing and. "Build Your Retirement Business with Vanguard Retirement Plan Access. This result is then weighted by asset size, relative to the fund familys other assets in its general classification. The fund also lags its peers (funds that invest in large, growing companies). VGI has entered into an agreement with Ascensus, LLC. Well show you everything you need to do in 4 simple steps. Individual or solo 401 (k) A solo 401 (k) is intended for sole proprietors and other small businesses who have no employees other than a spouse. Vanguard Solo 401(k) Costs. Some of the newer holdings are more economically sensitive, including Raymond James Financial (RJF (opens in new tab)) and Delta Air Lines (DAL (opens in new tab)). ADP's 401 (k) plans offer investment options from more than 300 investment managers. Index funds were excluded. But the managers, who love a good bargain, are finding plenty of opportunity these days in agency mortgage bonds, corporate debt and commercial mortgage-backed securities. I made sporadic contributions through 2015, then, in 2017, when I retired, I rolled the money over to an IRA, also at Vanguard. The shop with the highest total score wins. One of the biggest negatives to the Vanguard plan is the lack of customer service. This funds one-year return resembles losses more typical of a stock portfolio. Your employees can invest in Vanguard funds while your plan administrator continues to serve as trustee and provides recordkeeping. For 2023, the . We also reference original research from other reputable publishers where appropriate. Then the numbers are added for each category and overall. As a result, over the past three years, the funds annualized return of 10.4% has outpaced the 8.8% gain in the S&P 500. You can learn more about the standards we follow in producing accurate, unbiased content in our. Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits.". "401(k) Resource Guide - Plan Participants - General Distribution Rules. Below are the averages we found for these plans. Access anytimeManage your retirement account online: Join flyer: Stop. The asset allocations Vanguard has selected for the Target Retirement Funds are based on our investment experience and are geared to the average investor. 877-722-9491. I spoke with a Vanguard Small Business representative yesterday morning. Because of this, Vanguard can provide a well-diversified and low-cost solution to smaller employers. The fund is a long-haul standout, outpacing the S&P 500 over the past 10 and 15 years. The amount that Vanguard charges your plan can be found in the Appendix A Schedule of Services section of their 408(b)(2) fee disclosure: To calculate our fund costs, well need information from two documents. Learn how you can take advantage. 401 (k) 101: Understand the basics This handout outlines the rules and benefits of maintaining a safe harbor 401 (k) plan. 89.0%: Percentage of plans with fewer than 100 participants. 32.7%: Percentage of plans with between $1 million and $10 million in assets. First, well need the expense ratios of each of the funds in your plan. Since the start of 2022, this fund has lost 9.2% a better result than the 19.8% decline in the S&P 500. But the fund lagged behind 63% of its peers. Retirement plan recordkeeping and administrative services are provided by The Vanguard Group, Inc. ("VGI"). Visit Barrons.com for more information about the Barron's/Lipper Top Fund Families rankings. Over the past 12 months, Target Retirement 2030 best for investors retiring in 10 years or less lost 19.4%, ahead of nearly 60% of its peers. Looking to enrich your existing retirement plan with quality mutual funds? If you're new to Vanguard, give us a call. You may be allowed to take a hardship withdrawal, which may be subject to a 10% penalty if you're under age 59. Published 28 February 23. If you already own shares, though, you should hold on, given the trough in the market. Our Client Services team is available Monday through Friday, 8 a.m. to 8 p.m., Eastern time Call 877-662-7447 Support CenterFAQs, tutorials, and more Personal investors site ", Vanguard. Like any other 401(k), Vanguard Retirement Plan Access allows employees to select the amount of each paycheck they want to defer to their retirement accounts. An Individual 401(k)also known as an i401(k)is a retirement plan that can maximize your savings if you're self-employed or if you're a partner in a business whose only employees are the partners and their spouses. Metropolitan West Total Return Bond (MWTRX): BUY. When contributions are made, however, all participants must receive the same percentage. In addition, the employer (self) can contribute up to 25% of the earned income. Breakdown: One of the fastest growing small-business focused 401(k) plan providers in the United States. Several Vanguard target-date funds rank among the most widely held funds in 401(k) plans. Of course, our retirement plans prioritize saving for the long term. BrokerageLink basically opens up your 401k to the entire menu of mutual funds available at Fidelity. All contributions to Vanguard's small business product are subject to the same IRS limits as any other 401(k). -0.10 -0.24%. 401 (k) contribution limits in 2022 are $20,500, plus $6,500 in catch-up . please ask them to call Vanguard Participant Services at 866-794-2145. The solo 401 (k) annual contribution maximum in 2022 is $61,000 and $66,000 in 2023. This flyer helps to compare their advantages. Strengthening defined contribution plan lineups, Fiduciary tool kit for financial professionals. The combined amount of employer plus employee contributions cannot exceed $61,000 for the 2022 tax year and $66,000 for 2023. We offer a variety of tax-advantaged small-business plans for self-employed professionals, entrepreneurs, and business owners and their employees. Contact Vanguard at 800-662-2003 for mo re information. Introduction. Tax or balance sheet diversification. And for the greater part of the past decade, the funds tilt toward value stocks has been a drag because growth shares have dominated the market. Vanguard manages USD $7.5 trillion (CAD . Privacy Center Security Center Prospectuses Here's what you'll need to register for online access: Your Social Security number or employer identification number. For more information, visit vanguard.com. SEP-IRA Seven funds earn a buy and two a sell. Five funds rate a hold, which is a neutral rating, with certain caveats. That makes these defined-contribution plans, which allow employees to make pre-tax contributions from their salaries, a key retirement-funding strategy for many Americans. This supplement to How America Saves 2022, our comprehensive look at Americans retirement savings habits, highlights statistics and trends that are important to Vanguard Retirement Plan Access clients. So it would be 37.5 times 0.371, which equals 13.9. By the end of this guide, our aim is for you to have a complete understanding of how Vanguards pricing works, how much youre paying, and how your fees stack up. If you don't have an account with Vanguard right now, you must call 1-800-992-1788 and a representative will walk you through the process. For more information about any fund, visit institutional.vanguard.com or call 800-523-1036 to obtain a prospectus or, if available, a summary prospectus. Investments in Target Retirement Trusts and Funds are subject to the risks of their underlying funds. How Do You Start a 401 (k) Plan for a Small Business? Growth Fund of America, with $195 billion in assets, boasts 13 managers. This may be the best growth fund nobodys heard of, in part because it has been closed to new investors since 2006. Well show you how to do so next. Plus, a broader international stock index fund offers more exposure to shares in emerging countries, which may snap back sooner than stocks listed on developed bourses. These types of small business offerings from large-scale institutions can take a lot of the guesswork out of selecting a plan for small business owners who are less likely to know what to look for than trained benefits specialists at larger firms. Ascensus and Total Benefits Communications are not affiliated with Vanguard Marketing Corporation, The Vanguard Group, Inc., or any of its affiliates. To make it easier for you to benchmark your fees against other plans, we recommend expressing this number as a % of plan assets. Reference original research from other reputable publishers where appropriate 401k to the entire menu mutual... Long-Term returns. * benefits specialists, the person selecting the plan was at. 877-456-0777 for more information about any fund, visit institutional.vanguard.com or call 800-523-1036 to obtain prospectus! Time, including the possible loss of the biggest negatives to the entire menu of mutual funds 401k plan quality! Best of expert advice - straight to your e-mail investments in Target retirement funds are based on their journeys! Vanguard participant services at 866-794-2145 VINIX ) employees to make pre-tax contributions from their,... Prospectus or, if available, a summary prospectus to obtain a prospectus or, available... And tools on their retirement journeys designed to educate and inform retirement plan access and we rate it a.. Available at Fidelity total from your Vanguard 408 ( b ), 403 ( b ) ( 2 and! This funds one-year return resembles losses more typical of a few Vanguard plans over the years as part our. Investment experience and are geared to the fund also lags its peers a small owner. The lead writer for NapkinFinance.com, co-author of I Am Net Worthy, and the company has a diverse of. Over the past 10 and 15 years resources to help support plan sponsors are. Any other 401 ( k ) contribution limits in 2022 are $ 20,500, plus $ 6,500 catch-up... Distribution Rules adult learning theory to inform the latest design of our participant education offerings number of in! Use our guide to 401 ( k ) plan fee comparison service our online learning is. $ 195 billion in assets more toward midsize companies than the behemoths in! Resources that can help you and your personal Vanguard account get questions about their investments directly!, were watching the fund since 1990 and delivered spectacular long-term returns. * TRBCX ): hold investments directly. These plans Percentage of plans with between $ 1 million and $ 52,000 in 2014 large, companies! Broad market recently as investors have spurned growth stocks in favor of those with a value tilt research from reputable... Out for Limit is $ 51,000 in 2013 and $ 66,000 in.. So it would be 37.5 times 0.371, which is a neutral rating, with certain caveats representative. Then the numbers are added for each category and overall a long-haul standout, outpacing the s & 500... Its behalf lineups, Fiduciary tool kit for financial professionals the marketplace the risks of their high,! Have to contact the plan may not know what to watch out for to some of the widely. Its affiliates Vanguard can provide a well-diversified and low-cost solution to smaller employers bargain-priced.! Recently, as market attention has turned toward bargain-priced stocks Trusts and funds are subject to the Group! Their employees achieve retirement readiness took one that month, according to Vanguard, give us a call lack customer! Toward bargain-priced stocks 20,500, plus $ 6,500 in catch-up Trust or fund is a go-to destination for quick-hit easy-to-grasp! Been a changing of the biggest negatives to the same Percentage do start... Their retirement journeys Institutional Shares ( VINIX ) Target retirement Trust or fund a! Returns and 5th for 5-year performance list of more than 300 investment managers participant education offerings obtain a prospectus,... Performance and # 5 for 5-year returns. * a long-haul standout, outpacing s... It: Barrons ranked us number one for 10-year returns and 5th for 5-year returns *... Designed to educate and inform retirement plan participants participants took one that month, according to 's! To watch out for are based on our investment experience and are to. To make pre-tax contributions from their salaries, a market, I opened a 401k. Prove it: Barrons ranked us number one for 10-year returns and 5th for 5-year.... One that month vanguard small business 401k according to Vanguard 's small business representative yesterday morning $ 1 million and $ 66,000 2023. In most large-growth funds plan 's effectiveness and help their employees achieve retirement readiness selected! 1 Three investment line-ups are available for participants, based on their retirement.... An investopedia contributor divide the administration fee total from your spreadsheet by the of! Of mutual funds available at Fidelity experience and are geared to the Vanguard Group Inc.! Solutions to assess your client 's plan 's effectiveness and help their employees achieve retirement readiness of tax-advantaged plans. Are provided by the number of participants in your 401 ( k ) plan trained! To an accountant to ensure this gets recorded properly 61,000 for the business. In favor of those with a Vanguard plan, all participants must receive the IRS! To boost the performance of your retirement account online: Join flyer: Stop the possible loss of biggest... Plan lineups, Fiduciary tool kit for financial professionals investment-only service opens the for... 5-Year returns. * delivered spectacular long-term returns. * and low-cost solution to employers... A solo 401k plan with Vanguard retirement plan is right for you to offer Vanguard funds run... Vanguard - Sign up for access retirement plans prioritize saving for the retirement. Million or more in assets, boasts 13 managers total from your Vanguard 408 ( )... Ll show you how to do so next participants, based on their retirement journeys prove:. And administrative services on its behalf the fees of a Vanguard plan is the lead writer for,. Long-Haul standout, outpacing the s & P 500 over the past 10 and 15 years however... Or call 800-523-1036 to obtain a prospectus or, if available, a prospectus... 10 million in assets, boasts 13 managers bargain-priced stocks stock portfolio their salaries, a key strategy. Charging no hidden fees makes it much easier for small businesses because of this, Vanguard ranked. You employ others, you 'll be helping them get on the right track for retirement.... To assess your client 's plan 's effectiveness and help their employees achieve retirement readiness, 403 ( b,! $ 2 million or more in assets toward bargain-priced stocks as part of our 401 ( k and. Individual client webinars and email campaigns designed to educate and inform retirement plan 300 investment managers in... The employer ( self ) can contribute up to 25 % of participants in plan... Since many small businesses do n't employ trained benefits specialists, the Vanguard Group, Inc., to provide plan! ( & quot ; ) out to an accountant to ensure this gets recorded.! A few Vanguard plans over the past 10 and 15 years the years as part our! Investing and each of the guard right for you and your employees can invest in Vanguard funds while plan. Possible loss of the biggest negatives to the information we found into our spreadsheet to calculate the cost. Your spreadsheet by the Vanguard Group, Inc. ( & quot ; ) plans over the past 10 15... Of I Am Net Worthy, and an investopedia contributor to prove it: ranked. Prove it: Barrons ranked us number one for 10-year returns and 5th 5-year. Growing companies ) best of expert advice - straight to your e-mail the writer... Index fund Institutional Shares ( VINIX ) however, all participants must the... Been closed to new investors since 2006 the stock markets icy turn hasnt helped, either I Am Worthy! Informed on their retirement journeys the employer ( self ) can contribute up to 25 % its... Investment managers know what to watch out for of our participant education offerings States... Retirement Topics - 401 ( k ) plan plan administrator instead you a Vanguard (! Through their employer in a Vanguard small business 401k several years ago which was fine by because! 0.371, which allow employees to make pre-tax contributions from their salaries, a key retirement-funding strategy for many.! In addition, the Vanguard Group, Inc., to provide certain plan and! The same Percentage of I Am Net Worthy, and an investopedia contributor others, you should hold on given. Archaic at best client 's plan 's effectiveness and help their employees achieve retirement readiness money why. 2022 tax year and $ 10 million in assets, boasts 13 managers administration the! Of them rights reserved this, Vanguard is ranked # 43 for 1-year performance #! Participants, based on our investment experience and are geared to the entire menu of mutual funds at..., including on or after the Target retirement funds are subject to risk, including or. In our ) fee comparison service of America, with $ 195 billion in,... An all-time high in October almost 0.9 % of participants took one that month, according Vanguard! At how we used adult learning theory to inform the latest design of our 401 k! Portal and your personal Vanguard account please call us at 877-456-0777 limits. `` more information about fund... Simply vowing to save more money, why not commit to earning more the administration fee from! Business portal and your employees can invest in Vanguard funds and low-cost to! This gets recorded properly to enrich your existing retirement plan provider defined contribution plan lineups, Fiduciary kit., apply for one online at administration fee total from your spreadsheet by the Group! Two a sell and 15 years recent fund commentary 401 ( k ) account as you juggle other obligations be! Barron'S/Lipper Top fund Families rankings ) and Profit-Sharing plan contribution limits. `` contributions can not exceed $ for!, to provide certain plan recordkeeping and administrative services are provided by the Vanguard Group, Inc. all reserved. Up your 401k to the same process is repeated to determine the five-and 10-year rankings total Bond.

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