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Understanding Risk Tolerance: A Guide for Euronet Worldwide Employees Navigating Retirement Changes

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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 Euronet Worldwide 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 Euronet Worldwide 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.

'You can’t completely avoid risk when it comes to investing, but it is possible for you to manage it..'

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 Euronet Worldwide 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 Euronet Worldwide offer to its employees?

Euronet Worldwide offers a 401(k) retirement savings plan to its employees.

How can employees of Euronet Worldwide enroll in the 401(k) plan?

Employees of Euronet Worldwide can enroll in the 401(k) plan by completing the enrollment process through the company’s HR portal or by contacting the HR department for assistance.

Does Euronet Worldwide match employee contributions to the 401(k) plan?

Yes, Euronet Worldwide offers a matching contribution to the 401(k) plan, subject to specific terms and conditions.

What is the maximum contribution limit for the 401(k) plan at Euronet Worldwide?

The maximum contribution limit for the 401(k) plan at Euronet Worldwide is in line with the IRS limits, which may change annually.

Are there any vesting requirements for the employer match in Euronet Worldwide’s 401(k) plan?

Yes, Euronet Worldwide has a vesting schedule for the employer match, which employees should review in the plan documents.

Can employees of Euronet Worldwide take loans against their 401(k) savings?

Yes, Euronet Worldwide allows employees to take loans against their 401(k) savings, subject to the plan’s rules and regulations.

What investment options are available in Euronet Worldwide’s 401(k) plan?

Euronet Worldwide’s 401(k) plan offers a variety of investment options, including mutual funds and other investment vehicles, which employees can choose from.

How often can employees change their contribution amounts in Euronet Worldwide’s 401(k) plan?

Employees at Euronet Worldwide can change their contribution amounts on a regular basis, typically during open enrollment or at any time as permitted by the plan.

What happens to the 401(k) savings if an employee leaves Euronet Worldwide?

If an employee leaves Euronet Worldwide, they have several options for their 401(k) savings, including rolling it over to another retirement account or leaving it in the Euronet Worldwide plan, if allowed.

Does Euronet Worldwide provide any educational resources for employees regarding their 401(k) plan?

Yes, Euronet Worldwide provides educational resources and tools to help employees understand their 401(k) plan and make informed investment decisions.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Euronet Worldwide offers a Defined Contribution Plan known as the Euronet Worldwide Inc 401(k) Plan. This plan allows employees to contribute pre-tax or after-tax funds towards their retirement, with both employer and employee contributions possible. The plan includes investment options such as Employee Stock Ownership Plans (ESOPs), Savings Plans, and Profit Sharing Plans. Contributions are maintained in individual accounts for employees, and an alternate payee can be assigned a portion of an account balance through a Qualified Domestic Relations Order (QDRO). This plan's flexibility in allowing transfers to tax-qualified accounts like IRAs helps avoid early withdrawal penalties. As of 2022, the plan had total assets amounting to $52,116,351 (QDRO Desk). Eligibility for the plan typically requires one year of service and reaching the age of 21, similar to standard 401(k) plans. However, the employer match rate, vesting schedules, and specific conditions for the plan vary annually. For 2022 through 2024, the employer match is expected to remain around 3%, which is aligned with industry standards (

Restructuring and Layoffs: In 2023, Euronet Worldwide announced a restructuring plan aimed at streamlining its operations. This plan included layoffs primarily affecting its technology and administrative divisions. The company cited the need to improve efficiency and adapt to changing market conditions as key reasons for these changes. The restructuring is part of a broader strategy to enhance profitability and operational agility in a competitive landscape. This news is particularly relevant given the current economic climate, which demands organizations to continuously optimize their operations to maintain financial stability and growth.

Euronet Worldwide offers stock options and Restricted Stock Units (RSUs) to its employees. The company's stock options are typically granted based on performance and tenure. Euronet Worldwide RSUs are generally provided as part of executive compensation packages and are vested over a specified period.

Healthcare Trends: There is no specific industry news that indicates substantial changes to Euronet Worldwide’s healthcare benefits. However, like many companies, they are likely adapting to broader industry trends such as increased focus on mental health support and telemedicine options. Key Healthcare-Related Terms and Acronyms