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As a Constellation Brands employee earning a good wage, remember when everyday products were much cheaper than they are now? That's a real-life example of inflation, an unavoidable phenomenon that erodes the value of money by pushing prices up over time. If capital isn't being put to work and making a return during inflationary periods, the purchasing power of investor capital is declining.
| 'If capital isn't being put to work and making a return during inflationary periods, the purchasing power of investor capital is declining.' |
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As a Constellation Brands employee interested in investing, it is important to consider how investors have a wide range of tools at their disposal to protect their portfolios from inflation. Some prefer inflation-protected bonds, while others swear by commodities such as gold as effective inflation hedges. Investing in stocks has historically been one of the best ways to offset, or even outpace, inflation's degenerative effects on one's savings. For Constellation Brands employees, it is important to account for this information when planning your finances as to create a portfolio that minimizes volatility and accounts for inflation.
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We still have a tremendous amount of interest from advisors looking into commodity funds, ETFs and other inflation protection instruments to protect against potential inflation.
What type of retirement savings plan does Constellation Brands offer to its employees?
Constellation Brands offers a 401(k) retirement savings plan to help employees save for their future.
Does Constellation Brands match employee contributions to the 401(k) plan?
Yes, Constellation Brands provides a matching contribution for eligible employees who participate in the 401(k) plan.
What is the maximum contribution limit for the Constellation Brands 401(k) plan?
The maximum contribution limit for the Constellation Brands 401(k) plan aligns with IRS guidelines, which can change annually.
Are there any vesting schedules for the Constellation Brands 401(k) matching contributions?
Yes, Constellation Brands has a vesting schedule for matching contributions, which determines how much of the employer match you own based on your years of service.
Can employees of Constellation Brands take loans against their 401(k) savings?
Yes, employees may have the option to take loans against their 401(k) savings, subject to the plan's rules and limits.
What investment options are available in the Constellation Brands 401(k) plan?
The Constellation Brands 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.
How can employees at Constellation Brands enroll in the 401(k) plan?
Employees can enroll in the Constellation Brands 401(k) plan through the company's HR portal or by contacting the HR department for assistance.
Is there an automatic enrollment feature in the Constellation Brands 401(k) plan?
Yes, Constellation Brands may offer an automatic enrollment feature for new employees, automatically enrolling them in the 401(k) plan at a specified contribution rate.
What happens to my Constellation Brands 401(k) if I leave the company?
If you leave Constellation Brands, you can choose to roll over your 401(k) balance to another retirement account, cash out, or leave it in the plan if allowed.
Can employees at Constellation Brands change their contribution percentage to the 401(k) plan?
Yes, employees can change their contribution percentage to the Constellation Brands 401(k) plan at any time, subject to the plan's rules.
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