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Healthcare Provider Update: Offers health insurance with multiple plan options including HSA, PPO, EPO, and HMO, plus dental, vision, mental health, and transgender care benefits 3. As ACA subsidies phase out, Teradynes diverse plan offerings and wellness programs help employees manage healthcare costs and maintain coverage stability. 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 Teradyne 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 Teradyne 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 Teradyne 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 Teradyne's 401(k) plan?
Teradyne's 401(k) plan is a retirement savings plan that allows employees to save a portion of their salary on a tax-deferred basis.
How does Teradyne match employee contributions to the 401(k) plan?
Teradyne offers a company match on employee contributions, typically matching a percentage of the employee's contributions up to a certain limit.
What are the eligibility requirements for Teradyne's 401(k) plan?
Employees of Teradyne are generally eligible to participate in the 401(k) plan after completing a specific period of service, usually within the first year of employment.
Can Teradyne employees change their contribution amounts to the 401(k) plan?
Yes, Teradyne employees can change their contribution amounts to the 401(k) plan at designated times throughout the year.
What investment options are available in Teradyne's 401(k) plan?
Teradyne's 401(k) plan typically offers a range of investment options, including mutual funds, target-date funds, and company stock.
When can Teradyne employees start withdrawing from their 401(k) plan?
Teradyne employees can generally start withdrawing from their 401(k) plan without penalties at age 59½, although specific rules apply.
Does Teradyne offer a loan option through its 401(k) plan?
Yes, Teradyne allows employees to take loans against their 401(k) balances under certain conditions.
How can Teradyne employees access their 401(k) account information?
Teradyne employees can access their 401(k) account information through the company’s benefits portal or by contacting the plan administrator.
What happens to my Teradyne 401(k) if I leave the company?
If you leave Teradyne, you have several options for your 401(k), including rolling it over to an IRA, transferring it to a new employer's plan, or cashing it out (subject to taxes and penalties).
Are there any fees associated with Teradyne's 401(k) plan?
Yes, there may be administrative fees and investment fees associated with Teradyne's 401(k) plan, which are disclosed in the plan documents.
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