{"id":2132,"date":"2026-07-28T16:09:27","date_gmt":"2026-07-28T20:09:27","guid":{"rendered":"https:\/\/vidalfinancials.com\/?page_id=2132"},"modified":"2026-09-16T21:10:36","modified_gmt":"2026-09-17T01:10:36","slug":"401k","status":"publish","type":"page","link":"https:\/\/vidalfinancials.com\/fr\/401k\/","title":{"rendered":"401K"},"content":{"rendered":"
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401K
IS TAX-DEFERRED A PROPER TOOL?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Traditional 401(k)s postpone your taxes \u2014 they don’t eliminate them. Before you keep contributing, make sure you understand what you’re really signing up for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What \"Tax-Deferred\" Really Means<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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When you contribute to a 401(k), you’re not avoiding taxes \u2014 you’re postponing them until retirement, when your tax rate could be just as high, or higher, than it is today. Meanwhile, your money is exposed to market risk, contribution limits, and early-withdrawal penalties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tMARKET RISK\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tYour 401(k) balance can drop when the market does\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tTAX UNCERTAINTY\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tYou're betting future tax rates will be lower than today's\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\n\t\t\t\t<\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tCONTRIBUTION LIMITS\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tAnnual caps restrict how much you can really save\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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My Advice :
Seed vs. Harvest
\"The Tax Question\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you were a farmer, would you rather pay tax on your seed, or your harvest?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

401KIS TAX-DEFERRED A PROPER TOOL? Traditional 401(k)s postpone your taxes \u2014 they don’t eliminate them. Before you keep contributing, make sure you understand what you’re really signing up for. What “Tax-Deferred” Really Means When you contribute to a 401(k), you’re not avoiding taxes \u2014 you’re postponing them until retirement, when your tax rate could be […]<\/p>\n","protected":false},"author":231990802,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","_wpcom_ai_launchpad_about_page":false,"_wpcom_ai_launchpad_gallery_page":false,"_wpcom_ai_launchpad_contact_page":false,"_wpcom_ai_launchpad_events_page":false,"_wpcom_ai_launchpad_video_page":false,"_wpcom_ai_launchpad_portfolio_piece":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"footnotes":""},"class_list":["post-2132","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PeBAfF-yo","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/pages\/2132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/users\/231990802"}],"replies":[{"embeddable":true,"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/comments?post=2132"}],"version-history":[{"count":35,"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/pages\/2132\/revisions"}],"predecessor-version":[{"id":2578,"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/pages\/2132\/revisions\/2578"}],"wp:attachment":[{"href":"https:\/\/vidalfinancials.com\/fr\/wp-json\/wp\/v2\/media?parent=2132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}