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Healthcare Provider Update: Offers medical, dental, vision, mental health, and fertility benefits, plus FSAs and HSAs 9. As ACA premiums rise and subsidies expire, Nasdaqs comprehensive benefits help employees avoid the financial strain of marketplace plans. Click here to learn more
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 Nasdaq 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 Nasdaq 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..' |
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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 Nasdaq 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 plan does Nasdaq offer to its employees?
Nasdaq offers a 401(k) Savings Plan to its employees.
How can employees at Nasdaq enroll in the 401(k) Savings Plan?
Employees at Nasdaq can enroll in the 401(k) Savings Plan through the company’s HR portal during the enrollment period.
Does Nasdaq match employee contributions to the 401(k) Savings Plan?
Yes, Nasdaq provides a matching contribution to employee contributions made to the 401(k) Savings Plan, up to a certain percentage.
What is the vesting schedule for Nasdaq's 401(k) matching contributions?
The vesting schedule for Nasdaq's 401(k) matching contributions typically follows a graded vesting schedule over a period of years.
Are there any investment options available within Nasdaq's 401(k) Savings Plan?
Yes, Nasdaq’s 401(k) Savings Plan offers a variety of investment options, including mutual funds and target-date funds.
Can employees at Nasdaq take loans against their 401(k) Savings Plan?
Yes, employees at Nasdaq may have the option to take loans against their 401(k) Savings Plan, subject to specific terms and conditions.
What is the minimum contribution percentage for Nasdaq employees participating in the 401(k) Savings Plan?
The minimum contribution percentage for Nasdaq employees participating in the 401(k) Savings Plan is typically set at 1% of their salary.
Does Nasdaq allow for catch-up contributions in its 401(k) Savings Plan?
Yes, Nasdaq allows employees aged 50 and older to make catch-up contributions to their 401(k) Savings Plan.
How often can Nasdaq employees change their contribution amounts to the 401(k) Savings Plan?
Nasdaq employees can change their contribution amounts to the 401(k) Savings Plan at designated times, typically during open enrollment or at specific intervals throughout the year.
What resources does Nasdaq provide to help employees manage their 401(k) Savings Plan?
Nasdaq provides resources such as financial counseling, online tools, and educational materials to help employees manage their 401(k) Savings Plan.
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