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ITG has a 401(k) plan that lets you save money for your retirement! No matter what kind of retirement you envision, it takes a solid plan and savings to get there. Using the ITG 401(k) plan will help you reach your retirement goals. You can now join the plan after completing only one (1) month of service.

Participate in the 401(k) plan and you'll enjoy the advantages of tax-deferred saving right away. The plan lets you delay, or defer, paying taxes on contributions and any earnings on those contributions until you begin withdrawing from your plan account. You will eventually have to pay taxes on that money, but when you retire, you'll probably be in a lower tax bracket than when you were working. You still come out ahead.

Contributions are deducted from your paycheck before taxes are calculated and withheld. That means that you lower your taxable income and pay less in federal (and possibly state) income taxes.

The longer your money stays in the account, the more time you have to enjoy the “magic of compounding“. Your money makes money for you.

You can save from 1–15% of your income in the 401(k) plan. The percentage you choose is automatically deducted from your paycheck and deposited in your account to be invested as you instruct. You can choose from different investments ranging from conservative (lower risk/lower potential reward) to aggressive (higher risk/higher potential reward). Your investments can be a combination of any of these investments and you can change your investment mix at www.mykplan.com .

Because this is your money, you can make loans from your savings and pay yourself back with interest.

There is no time like the present to start saving for your retirement. I have all the information you need to join the plan and to understand your investment choices. Please see me if you are interested or if you need more information.

Mike Short
Labor Resources