myNQDC | Financial Planning : Investments

Financial Planning : Investments

Articles

Participant Viewpoint: My Investment And Risk Management Strategies For Nonqualified Deferred Compensation

by Andy Wagner

I work for a Fortune 500 company, and as a member of management I have the opportunity to take part in its nonqualified deferred compensation plan. Here is how I handle my NQDC investments and manage the risk of corporate bankruptcy.

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The Terms Of Your Company’s NQDC Plan: What You Can Expect (Part 2)

Opportunities And Risks: The Role Of Nonqualified Deferred Compensation In Your Financial Planning (Part 3)

FAQs

Is there any investment return on the amount I defer?

It's common for your NQDC account balance (both the amount you defer and any company contribution) to be credited with…

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What investment choices are made available to me?

This is decided by your company. However, more choices are available now than in the past. Investments can follow…

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More FAQs:

Will my account balance reflect investment returns?

Can my company change the fixed crediting rate on my NQDC deferrals?

I have multiple accounts for distributions set for different years. Can they have different investment allocations?

For my NQDC deferrals, will I have an account that I can look at and monitor?

Can I freely change my investment choices within my account?

Is changing the investment choices in my NQDC account allowed by Section 409A?

How do I decide what investments to select in my NQDC account?

Do I get my own investment choices with corporate-owned life insurance?

Will I owe additional FICA taxes on the interest or earnings credited to my NQDC account when it is distributed?