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Healthcare Provider Update: StoneX provides health insurance, cafeteria perks, and job training, though details on specific providers are limited 6. With ACA premiums expected to rise sharply, StoneXs internal coverage may offer more stability, especially for employees with dependents. 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 StoneX Group 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 StoneX Group 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 StoneX Group 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 StoneX Group offer to its employees?
StoneX Group offers a 401(k) retirement plan to help employees save for their future.
How can employees at StoneX Group enroll in the 401(k) plan?
Employees can enroll in the StoneX Group 401(k) plan through the company’s HR portal or by contacting the HR department for assistance.
Does StoneX Group match employee contributions to the 401(k) plan?
Yes, StoneX Group offers a matching contribution to the 401(k) plan, which helps employees maximize their retirement savings.
What is the maximum contribution limit for the StoneX Group 401(k) plan?
The maximum contribution limit for the StoneX Group 401(k) plan follows the IRS guidelines, which are updated annually.
Can employees at StoneX Group take loans against their 401(k) savings?
Yes, StoneX Group allows employees to take loans against their 401(k) savings, subject to specific terms and conditions.
Are there any fees associated with the StoneX Group 401(k) plan?
Yes, there may be administrative fees associated with the StoneX Group 401(k) plan, which are disclosed in the plan documents.
What investment options are available in the StoneX Group 401(k) plan?
The StoneX Group 401(k) plan offers a variety of investment options, including mutual funds, stocks, and bonds.
When can employees at StoneX Group start withdrawing from their 401(k) plan?
Employees can typically start withdrawing from their StoneX Group 401(k) plan at age 59½, subject to certain conditions.
Does StoneX Group provide educational resources about the 401(k) plan?
Yes, StoneX Group offers educational resources and workshops to help employees understand their 401(k) plan options and investment strategies.
How often can employees at StoneX Group change their 401(k) contribution amounts?
Employees at StoneX Group can change their 401(k) contribution amounts at any time, typically during open enrollment periods or as specified in the plan.
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