今日もガッチリ資産防衛＾＾

確定拠出年金には、「企業型（４０１K）」と、「個人型つまりイデコ（iDeCo）」の2種類があり、活用方法にそれぞれ特徴があり、メリットがあります。確定供出年金の節税メリットと活用法について税理士が解説します😌

😊税理士変更を検討している方、またセカンドオピニオンや経理代行のご相談はこちら

0120-953-573（税理士法人グランサーズ　受付時間：平日9:00～18:00）
※「You Tubeを見た！」とお伝えいただくとスムーズです。

😊オペレーティング・リースなどの節税商品の案件情報・節税のご相談はこちら

0120-957-713（ファミリーコンサルティング　受付時間：平日9:00～18:00）
※「You Tubeを見た！」とお伝えいただくとスムーズです。

🔽チャンネル登録はこちら😌

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関連動画
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🔽老後2000万円問題の解決策はこれだ！複利効果を生かして安定的に増やす積立投資とは？

🔽【保存版】法人税の節税の全てが理解できる19のテクニック解説

🔽役員報酬の設定で節税効果を最も高める方法と3つのテクニック

🔽簿外資産を作る経営セーフティ共済、全額所得控除の小規模企業共済を最大限に活用する

🔽【社長必見！】車は法人で買うべき？個人で買うべき？

🔽これは経費で落とせます！！１４のキワドイ例を税理士が解説

🔽役員賞与を支給して社会保険料を下げる節税方法を税理士がわかりやすく解説！

🔽いわゆる節税保険の出口はどうする？法人保険のしくじり事例を大公開！

↓↓注目している動画です㊙️

・第41回 はじめての確定拠出年金iDecoや企業型DCについて初心者向けに解説^^【お金の勉強　株式投資編】

・確定拠出年金の運用商品の選び方（山崎　元）

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🔵筧 智家至（かけひ ちかし）
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公認会計士・税理士。監査法人トーマツを経て筧公認会計士・税理士事務所（現：税理士法人グランサーズ）を設立。現在従業員数80名を超え、約1000社の税務支援を行う税理士法人グランサーズ代表。上場企業の監査役も務めている。

🔵長谷川桂介（はせがわ けいすけ）
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経営者。1500社の財務コンサル実績があるファミリーコンサルティング代表取締役。これまで4社を経営。経営者として投資や節税、資金調達、事業売却（M&A）など法人の財務に関する実務を経験してきた企業財政のエキスパート。
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#401K　#確定拠出年金　#税理士…(read more)

LEARN MORE ABOUT: 401k Plans

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Must-See! The Tax Benefits and Greatest Risks of Corporate Defined Contribution Pension Plans (401k)

Corporate defined contribution pension plans, commonly known as 401k plans, are retirement savings accounts offered by employers. These retirement plans come with various tax benefits and potential risks that employees should be aware of. In this article, we will delve into the tax advantages and the biggest risks associated with 401k plans.

Tax Benefits:
1. Tax-Deferred Contributions: The most significant tax benefit of a 401k plan is the ability to make contributions on a pre-tax basis. This means that the money you contribute to your 401k account is deducted from your taxable income, resulting in immediate tax savings. You only pay taxes on withdrawals made during retirement.
2. Employer Match: Many employers offer a matching contribution to their employees’ 401k plans. This means that for every dollar an employee contributes, the employer will contribute a certain percentage, usually up to a specific limit. This employer match is essentially free money that can significantly boost your retirement savings.
3. Tax-Free Growth: Another advantage is that the investments in your 401k plan can grow on a tax-deferred basis. This allows your contributions and earnings to compound over time, potentially resulting in substantial savings by the time you retire.
4. Roth 401k Option: Some employers offer a Roth 401k option, allowing employees to make after-tax contributions. Although these contributions are not tax-deductible, withdrawals made during retirement are tax-free. This option can be beneficial to those who expect their tax rates to be higher in retirement.

The Greatest Risks:
1. Market Volatility: One of the biggest risks associated with 401k plans is market volatility. Since the contributions made to a 401k plan are typically invested in mutual funds, stocks, and bonds, their value can fluctuate based on market conditions. A significant market downturn can result in a loss of value in your retirement savings.
2. Limited Investment Options: 401k plans typically offer a limited selection of investment options chosen by the employer or plan administrator. This can restrict your ability to diversify your investments, potentially exposing your retirement savings to higher risk.
3. Early Withdrawal Penalties: Withdrawing money from your 401k before the age of 59 1/2 can result in early withdrawal penalties. Not only will you have to pay income taxes on the withdrawn amount, but you’ll also be subject to an additional 10% penalty fee, which can significantly reduce your savings.
4. Restricted Access to Funds: Unlike individual retirement accounts (IRAs), 401k plans often have restrictions on when and how you can access your funds. These limitations can be burdensome for individuals who may need to tap into their retirement savings for emergencies or other financial needs.

In conclusion, 401k plans offer attractive tax benefits, including tax-deferred contributions, employer matching, and tax-free growth. However, they also come with certain risks, such as market volatility, limited investment options, early withdrawal penalties, and restricted access to funds. It is essential to weigh these factors carefully and consult with a financial advisor to make informed decisions about your retirement savings.