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Healthcare Provider Update: Healthcare Provider for Nvidia: Nvidia primarily utilizes Aetna (a subsidiary of CVS Health) as its healthcare provider for employee health benefits. Potential Healthcare Cost Increases for Nvidia in 2026: In 2026, Nvidia is expected to face substantial increases in healthcare costs due to rising premiums in the Affordable Care Act (ACA) marketplace, with reports indicating potential hikes exceeding 60% in several states. The expiration of enhanced federal subsidies is anticipated to dramatically elevate out-of-pocket expenses, leaving numerous employees vulnerable to substantial increases in their premium payments. Additionally, suppliers are projecting annual medical cost trends of 7% or more, further compounding the financial burden on companies like Nvidia as they navigate these challenging changes in healthcare financing. 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 Nvidia 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 Nvidia 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 Nvidia 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 is the primary purpose of Nvidia's 401(k) plan?
The primary purpose of Nvidia's 401(k) plan is to help employees save for retirement by allowing them to contribute a portion of their salary on a tax-deferred basis.
How does Nvidia match employee contributions to the 401(k) plan?
Nvidia offers a company match on employee contributions to the 401(k) plan, which helps employees increase their retirement savings.
What are the eligibility requirements for Nvidia's 401(k) plan?
Employees at Nvidia are generally eligible to participate in the 401(k) plan after completing a specified period of service, typically within the first few months of employment.
Can employees at Nvidia choose how to invest their 401(k) contributions?
Yes, employees at Nvidia can choose from a variety of investment options within the 401(k) plan, including stocks, bonds, and mutual funds.
What is the maximum contribution limit for Nvidia's 401(k) plan?
The maximum contribution limit for Nvidia's 401(k) plan is in accordance with IRS guidelines, which may change annually. Employees should check the latest limits each year.
Does Nvidia offer a Roth 401(k) option?
Yes, Nvidia provides a Roth 401(k) option, allowing employees to contribute after-tax dollars and enjoy tax-free withdrawals in retirement.
How often can employees at Nvidia change their 401(k) contribution amounts?
Employees at Nvidia can typically change their 401(k) contribution amounts at any time, subject to the plan's specific rules and procedures.
What happens to my Nvidia 401(k) if I leave the company?
If you leave Nvidia, you have several options for your 401(k), including rolling it over to a new employer's plan, transferring it to an IRA, or cashing it out, though cashing out may incur penalties.
Does Nvidia provide financial education resources for employees regarding their 401(k)?
Yes, Nvidia offers financial education resources and tools to help employees make informed decisions about their 401(k) savings and investments.
Are there any fees associated with Nvidia's 401(k) plan?
Yes, there may be administrative fees and investment-related fees associated with Nvidia's 401(k) plan, which are disclosed in the plan documents.
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