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Cisco helps you save for retirement.

A 401(k) helps you save and invest for the future through convenient, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat

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Get the Cisco match – and potentially lower your tax bracket at the same time.

Made before taxes, so it costs you less to save.
Pay taxes when you withdraw contributions and any earnings.

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Get the Cisco match – and potentially have tax-free dollars to take out later.

Made after taxes
No taxes when you withdraw contributions and any earnings, if eligible.1
In general, the younger you are when you start making Roth 401(k) contributions, the more you may benefit. You also may benefit if you expect your income tax rate to be higher in the future.

Different take-home pay

After-tax contributions come out of your pay after taxes. That means your take-home pay will be less than if you made an equivalent pretax contribution.

Different tax treatment

You won’t pay taxes when you withdraw after-tax contributions (which in general you can do at any time). However, you will owe taxes on any related investment earnings when you withdraw them.

Ability to convert to Roth 401(k)

Through the 401(k) Roth In-Plan Conversion feature, you can convert your after-tax contributions into Roth within your Cisco 401(k) account. You will owe taxes on any investment earnings generated before your conversion date, however, any subsequent earnings on have the chance to grow tax free.2

If you contribute up to the IRS pretax and/or Roth 401(k) limit of $20,000 (for 2022) every year and by age 65 you could have

$1,653,597.

But if you take advantage of the catch-up feature by contributing an additional $6,500 every year, age 65 you could have

$1,797,381.

That could be an additional

$159,506

You could use that money to help cover unexpected medical costs in retirement, or continue to invest it to potentially earn even more.

Here’s even more great news.

Your $6,500 in catch-up contributions can be made either pretax or as Roth 401(k) contributions.

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Save 8%

of your pay

$1,000,000

potential account balance after 30 years

Save 15%

of your pay

$1,900,000

potential account balance after 30 years

1. Annual increase service

Let your contributions increase automatically, by the amount you choose, on the schedule you choose. Go to Cisco401kPlan.com and select Contribution Amount.

2. Automatic rebalance service

Like choosing your investment strategy, but not sure how to manage it over time? Have your investments automatically rebalanced back to the percentages you designated to keep them aligned with your strategy. Go to Cisco401kPlan.com and select Change Investments.

3. Lifepath Index Funds F

With these diversified, all-in-one funds, you choose the one that most closely matches the year you expect to retire. The fund is professionally managed and regularly rebalanced over time. For details, go to Cisco401kPlan.com and select Investment Performance and Research.

4. Financial Engines

You can get personalized and unbiased investment advice to help you manage your 401(k) investments based on your risk tolerance, savings amount, financial situation, age, and expected retirement date. You can choose from professional management (Financial Engines can do the work – fees apply), or online advice (you can do the work – free). To learn more about the services available, go to financialengines.com or call 800-601-5957.

$12,000

Your 2019 Pre tax solutions listed here

$15,000

(sub text)

What your being given today

$14,000

What you need to make

Total amount of money being listed in this card

$41,000

$62,000 if your lucky

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We have experts to help you.

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Testing out the variables

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