Category
Retirement terms
Retirement planning is about building enough income for the years after work. These terms explain pensions, savings plans and the choices you face when you start drawing on them. 204 Retirement terms are explained below, each with real-world examples.
- Accelerated Vesting
- Accrual Rate
- Accrued Benefits
- Accrued Monthly Benefit
- Accumulated Benefit Obligation
- Accumulation Period
- Accumulation Phase
- Accumulation Unit
- Active Participant Status
- Actual Deferral Percentage Actual Contribution Percentage
- Actual Deferral Percentage and Actual Contribution Percentage Tests
- Additional Voluntary Contribution
- Advance Funded Pension Plan
- After-Tax Contribution
- Agency Automatic Contributions
- Allocated Benefits
- Annual Addition
- Annuitant
- Annuitization
- Annuity Certain
- Annuity Contract
- Annuity in Advance
- Annuity Ladder
- Annuity Unit
- Auto Enrollment Plan
- Automatic Rollover
- Average Indexed Monthly Earnings (AIME)
- Backdoor Roth IRA
- Break in Service
- Calpers
- Cash Balance Pension Plan
- Cash or Deferred Arrangement (CODA)
- Cash Refund Annuity
- Centralprovidentfund
- Chartered Advisor Senior Living (CASL)
- Chartered Retirement Plans Specialist
- Civil Service Retirement System (CSRS)
- Commuted Value
- Conduit IRA
- Corporate Pension Plan
- Corppension
- Cost-of-Living Adjustment (COLA)
- Current Service Benefit
- 401(k)
- Deferred Payment Annuity
- Deferred Profit Sharing Plan
- Deferredpaymentoption
- Definedbenefitpensionplan
- Delayed Annuity
- Designated Beneficiary
- Designated Roth Account
- Determination Letter
- Direct Transfer
- Directrollover
- Domestic Relations Order (DRO)
- DPSP
- Early Withdrawal
- Electivedeferralcontribution
- Eligible Automatic Contribution Arrangement
- Eligible Rollover Distribution
- Employee Contribution Plan
- Employee Savings Plan
- Employee Trust
- Employer-Sponsored Plan
- Entrance Fee
- Extended IRA
- FERS
- File and Suspend
- Flat Benefit Formula
- Forced Retirement
- Four Percent Rule
- Fully Funded
- Fully Vested
- GMWB
- Highly Compensated Employee
- Hybrid Annuity
- Immediate Payment Annuity
- In-Service Withdrawal
- Income Annuity
- Indexed Annuity
- Indexed Earnings
- Indirect Rollover
- Inflation-Protected Annuity
- Inherited IRA
- IRA Adoption Agreement and Plan Document
- IRA Rollover
- IRA Transfer
- Iraconversion
- IRS Pub 590
- Joint and Survivor Annuity
- Jointlifelastsurvivorannuity
- Keogh Plan
- KSOP
- Life Cycle Funds
- Life Expectancy Method
- Life Income Fund
- Lifeannuity
- Lifetime Payout Annuity
- Locked-In Retirement Account (LIRA)
- Lumpsumdistribution
- Maturedrrsp
- Medicare Hold Harmless Provision
- Money Purchase Pension Plan
- National Average Wage Index (NAWI)
- National Social Security Fund
- Net Unrealized Appreciation (NUA)
- Nominee Distribution
- Non Qualifying Investment
- Non-Qualified Plan
- Nondiscrimination Rules
- Nonelective Contribution
- Nonperiodic Distribution
- NQDC
- OASDI
- Old Age and Survivors Insurance Trust Fund
- OPEB
- Opt Out Plan
- Overcontribution
- Overfunded Pension Plan
- Pay-As-You-Go Pension Plan
- PBGC
- Pension Maximization
- Pension Risk Transfer
- Pensionable Service
- Pensionshortfall
- Plan Administrator
- Planparticipant
- Plansponsor
- Pop-Up Option
- Portable Benefits
- Primary Insurance Amount (PIA)
- Privateannuity
- Profitsharingplan
- Provident Fund
- QJSA
- QPAM
- Qualified Annuity
- Qualified Automatic Contribution Arrangements Qacas
- Qualified Longevity Annuity Contract (QLAC)
- Qualified Pre Retirement Survivor Annuity
- Recharacterization
- Replacement Rate
- Requiredbeginningdate
- Retirement
- Retirement Contribution
- Retirement Income Certified Professional Ricp
- Retirement Income Fund
- Retirement Planner
- Revokedira
- Roth Option
- Roth 401(k)
- RPP
- RRIF
- RRSP
- Rrspcontribution
- Rrspdeduction
- Rule72T
- Safe Withdrawal Rate Swr Method
- Salary Reduction Contribution
- Self-Directed RRSP
- SEP
- Single-Life Payout
- Single-Premium Deferred Annuity (SPDA)
- Social Security Benefits
- Split-Funded Annuity
- Spousal Beneficiary Rollover
- Spousal IRA
- SSA
- SSI
- Stable Value Fund
- Straightlifeannuity
- Stretch IRA
- Stretchannuity
- Substantially Equal Periodic Payments (SEPP)
- Sumcertain
- Summary Plan Description (SPD)
- Superannuation
- Supplemental Executive Retirement Plan (SERP)
- Systematicwithdrawalplan
- Systematicwithdrawalschedule
- Targetbenefitplan
- Tax Deferred Savings Plan
- Taxshelteredannuity
- Termcertainannuity
- Thrift Savings Plan (TSP)
- Tontine
- Top-Hat Plan
- Underfunded Pension Plan
- Unfunded Pension Plan
- Unitbenefitformula
- Vested Benefit
- Vested Benefit Obligation
- Vestedinterest
- Voluntaryemployeesassoc
- Whole Life Annuity
- Whole Life Annuity Due
- Widows Allowance
- Withdrawalplan
- Years Certain Annuity
- Years Maximum Pensionable Earnings
- 401(a) Plan
- 408 K Plan
- 412(i) Plan
- 412I
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