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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 TriNet 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 TriNet 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 TriNet 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 savings plan does TriNet Group offer to its employees?
TriNet Group offers a 401(k) retirement savings plan to its employees.
Does TriNet Group match employee contributions to the 401(k) plan?
Yes, TriNet Group provides a matching contribution to employee 401(k) contributions, subject to specific limits.
What is the eligibility requirement for TriNet Group employees to participate in the 401(k) plan?
Employees of TriNet Group are eligible to participate in the 401(k) plan after completing a specified period of service, typically within the first year of employment.
Can TriNet Group employees choose how their 401(k) contributions are invested?
Yes, TriNet Group employees can choose from a variety of investment options for their 401(k) contributions.
What is the maximum contribution limit for TriNet Group’s 401(k) plan?
The maximum contribution limit for TriNet Group’s 401(k) plan is aligned with the IRS annual limits, which may change each year.
Are there any fees associated with TriNet Group’s 401(k) plan?
Yes, there may be administrative fees associated with TriNet Group’s 401(k) plan, which are disclosed in the plan documents.
How often can TriNet Group employees change their 401(k) contribution amounts?
TriNet Group employees can change their 401(k) contribution amounts on a regular basis, typically during designated enrollment periods or at any time as allowed by the plan.
What happens to my 401(k) balance if I leave TriNet Group?
If you leave TriNet Group, you can choose to roll over your 401(k) balance to another retirement account, cash out, or leave it in the TriNet Group plan if allowed.
Does TriNet Group offer loans against the 401(k) plan?
Yes, TriNet Group may offer the option for employees to take loans against their 401(k) balance, subject to specific terms and conditions.
How can TriNet Group employees access their 401(k) account information?
TriNet Group employees can access their 401(k) account information through the company’s designated retirement plan website or by contacting the plan administrator.
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