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The world of investing is very subjective--the investment plan that’s right for you depends largely upon the level of comfort that you have when it comes to risk. We'd like our clients from American Eagle Outfitters to remember that you can’t completely avoid risk when it comes to investing, but it's possible for you to manage it.
There are two aspects of risk tolerance for American Eagle Outfitters employees to consider: (1) the capacity of your investment plan itself to absorb losses, and (2) how comfortable you are personally with risk. The first aspect can be quantified--the more flexibility your investment plan has when it comes to potential loss, the more risk your plan can tolerate. For example, as we’ve discussed, a long investment time horizon may allow you to take on more risk than a short time horizon.
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The second aspect, how comfortable you are personally with risk, is more of an emotional measure, and depends on many factors, including your objectives, life stage, personality, and investment experience. Some investors are comfortable with a high degree of risk, while others can tolerate only minimal risk. Individual risk tolerance is an important factor for American Eagle Outfitters employees in deciding which individual investments are appropriate for them, as well as how their investment dollars should be allocated among different investment classes.
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Investors are typically grouped into three categories for purposes of discussing risk tolerance: aggressive (those who have a high degree of risk tolerance); moderate (those willing to accept some degree of risk), and conservative (those who are risk averse).
What type of retirement savings plan does American Eagle Outfitters offer to its employees?
American Eagle Outfitters offers a 401(k) retirement savings plan to help employees save for their future.
Is participation in the 401(k) plan at American Eagle Outfitters mandatory?
Participation in the 401(k) plan at American Eagle Outfitters is voluntary; employees can choose to enroll or opt out.
What are the eligibility requirements for the 401(k) plan at American Eagle Outfitters?
Employees of American Eagle Outfitters are typically eligible to participate in the 401(k) plan after completing a certain period of service, which is outlined in the employee handbook.
Does American Eagle Outfitters match employee contributions to the 401(k) plan?
Yes, American Eagle Outfitters offers a matching contribution to the 401(k) plan, subject to specific terms and conditions.
How can employees of American Eagle Outfitters enroll in the 401(k) plan?
Employees can enroll in the 401(k) plan at American Eagle Outfitters by completing the necessary enrollment forms through the company’s HR portal.
What investment options are available in the American Eagle Outfitters 401(k) plan?
The American Eagle Outfitters 401(k) plan offers a variety of investment options, including mutual funds and other investment vehicles.
Can employees of American Eagle Outfitters change their contribution percentage to the 401(k) plan?
Yes, employees can change their contribution percentage to the 401(k) plan at any time, subject to the plan's guidelines.
What is the vesting schedule for the 401(k) match at American Eagle Outfitters?
The vesting schedule for the 401(k) match at American Eagle Outfitters typically follows a graded vesting schedule, which is detailed in the employee benefits documentation.
Are there any fees associated with the 401(k) plan at American Eagle Outfitters?
Yes, there may be administrative fees associated with the 401(k) plan at American Eagle Outfitters, which are disclosed in the plan documents.
Can employees take loans against their 401(k) balance at American Eagle Outfitters?
Yes, American Eagle Outfitters allows employees to take loans against their 401(k) balance, subject to specific terms and conditions.
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