Fidelity401k.com Retirement Plan is the official website for accessing all information about the 401k fidelity Retirement Plan. The Fidelity retirement program offers an amazing workplace savings plan for retirees. However, there are lots of benefits you enjoy contributing to your workplace savings plan. For more details, kindly read to the end.
Fidelity401k.com Retirement Plan – Fidelity 401k
Start saving with a Fidelity 401k Retirement Plan today, and stand the chance to reach your retirement savings goals. Your goal can be achieved by firstly, enrolling in your 401(k) workplace savings plan. Before I proceed to give you the full details, is best you learn what the Fidelity 401k plan is, literally.
What Is Fidelity 401k Plan?
Fidelity 401(k) plan is a type of retirement plan that is offered through your workplace. This 401k plan by fidelity provides an amazing way to invest for retirement, however, there are huge tax advantages fidelity 401(k) plan may offer such as lower tax bill. For Example, in some plans, your contribution comes out of your paycheck before income taxes are deducted, which means your tax bill will be lower.
The second benefit is, that you will have the chance to get “free” money from your employer in the form of matching contributions (fidelity match).
Fidelity 401k Retirement Plan – Fidelity.com 401k
When you start saving for retirement today you can aim for an amount that’s manageable. You can challenge yourself to save 1% or more each year toward retirement. Moreover, the major way to grow your savings is to increase your contributions every year. You can take advantage of the automatic increases yearly, that if your plan allows it.
Fidelity Small-Business Retirement Plans
Take advantage of retirement savings accounts with no account fees or minimums to launch. Also, small business owners and self-employed individuals will also have access to simplified plan management and specialized customer service. However, your retirement savings are made easier with the following plans;
SEP IRA: This type of plan features tax deferral and tax-deductible employer contributions for self-employed individuals and small businesses.
The Investment–Only Retirement Account: get access to a wide range of investments for your existing retirement plan through Fidelity’s brokerage account for plan sponsors.
SIMPLE IRA: This type of plan comes with tax deferral plus pretax contributions for self-employed individuals and participants in small businesses with fewer than 100 employees.
401(k) for Small Businesses: it offers your employees a retirement plan with employee contributions, employer contributions, plus an array of features.
Self-Employed 401(k): this plan has no set-up or annual fees and it’s designed for self-employed individuals or business owners without employees.
Fidelity Self-employed 401(k) Retirement Plan – 401k.com fidelity
The Fidelity Self-employed 401(k) Retirement Plan is a retirement savings plan for self-employed individuals with no employees (other than a spouse). It allows you to save for retirement on a tax-advantaged basis.
With a Fidelity Self-employed 401(k) Retirement Plan, you can make two types of contributions:
- Employee contributions: You can contribute up to 100% of your earned income, up to the annual IRS contribution limit. For 2023, the employee contribution limit is $22,500 ($30,000 if you’re age 50 or older).
- Employer contributions: As the employer, you can make a profit-sharing contribution of up to 25% of your earned income, up to the annual IRS contribution limit. For 2023, the employer contribution limit is $66,000 ($73,500 if you’re age 50 or older).
Total contributions to a participant’s account, including catch-up contributions for those aged 50 and over, cannot exceed $73,500 for 2023.
Your contributions to a Fidelity Self-employed 401(k) Retirement Plan grow tax-deferred. This means that you don’t pay taxes on your contributions or your investment earnings until you withdraw money from the plan in retirement.
You can invest your Fidelity Self-employed 401(k) Retirement Plan contributions in a variety of investment options, including stocks, bonds, mutual funds, and ETFs. Fidelity offers a wide range of investment options to choose from, so you can create a portfolio that meets your individual investment goals and risk tolerance.
When you’re ready to retire, you can withdraw money from your Fidelity Self-employed 401(k) Retirement Plan without penalty after you reach age 59½. Withdrawals are taxed as ordinary income.
Fidelity Retirement Plan Accounts
To begin saving for retirement, you can start by enrolling in your plan. The procedure is very simple and fast and it won’t take to set up. However, you can enroll by phone by contacting Fidelity customer service to get help enrolling in your plan. Or enrol by filling up the registration form online at https://www.fidelity.com/retirement-ira/small-business/overview after signing up, you can now enjoy fidelity benefits.
How To Enroll For Fidelity401.com Retirement Plan
To register for your 401k account, do this;
- Progress to https://nb.fidelity.com/public/nb/401k/home/get-started
- Fill out the registration form with the following details;
- First name
- Last name
- Date of Birth (Month/dd/yyyy)
- Last 4 SSN
- Hit the Continue tab and follow the prompt
These are steps to sign up for a fidelity 401 retirement account online.
How to Sign Up for Fidelity Retirement Plan Accounts Via Phone
To sign up for a fidelity account over the phone contact through fidelity customer service representative. Follow the steps below to get a fidelity customer service phone number;
- Visit the Fidelity website at https://nb.fidelity.com/public/nb/401k/home/get-started
- Move down the page to find the representative phone number
- Dial the number
- You will be guided to register for the service
These are steps to sign up for fidelity 401(k) over the phone
Fidelity.com 401k Login
There are different ways to access your Fidelity 401 account. You can log in online via its website or download the fidelity apps. However, the fidelity app for 401k is known as the NetBenefits App.
www Fidelity 401k com Login Steps
Navigate with the following guide to log in to your fidelity retirement account
- Visit https://nb.fidelity.com/public/nb/401k/home
- Move to the top of the page and enter your username and password
- Click on the log-in button
These are procedures to log in to your account online.
Fidelity Net Benefits App
Net fidelity app lets you access your workplace benefits. That is, you can use the Fidelity NetBenefits App to access your retirement plans, Stock plans, and other fidelity benefits. So to see what your employer offers, you can log in.
Fidelity 401k Login App
To access your account through the Fidelity NetBenefits app, you will need to download the app from the Google Play Store or Apple App Store.
- Visit the Play Store or App store
- In the search tool, type in fidelity app/NetBenefits app
- Choose the app
- Tap on the Install or Get link
- Follow the directives to download the app
- Open the Fidelity app
- Move to the login and log into your account.
These are steps to log in to your fidelity account via the app.
Fidelity 401k Customer Service
Searching for the Phone number for the fidelity 401k retirement plan? The Fidelity 401k phone number is available on their official website. Follow these steps to locate the phone number
- Visit https://nb.fidelity.com/public/nb/401k/home/get-started
- Scroll through the homepage to access the customer service representative’s phone number
These are steps to get a fidelity customer service phone number.
Frequently Asked Questions
How do I check my Fidelity 401k?
To check your fidelity 401k plan, you will need to log in. To sign in, visit the fidelity 401k website at https://nb.fidelity.com/public/nb/401k/home or download the fidelity net benefits app.
How do you check your 401k online?
You can find your 401(k) balance online by logging into your 401(k) plan account. Kindly visit https://nb.fidelity.com/public/nb/401k/home. Enter your username and password at the top of the page and log in.
How do I withdraw money from my 401k after retirement Fidelity?
To make a withdrawal, you can visit Fidelity’s website and request a check there. Alternatively, you can also reach out via phone by contacting Customer Service, using the phone number on their website at https://nb.fidelity.com/public/nb/401k/home