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If I offer my employer-sponsored retirement plan only to some employees but not all, do I have to offer the State's program as well?
No, if you offer an employer-sponsored retirement plan to any of your employees, you will file a certificate of exemption and you will not need to facilitate the State's program.
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Investments
Colorado SecureSavings investment options Investing is about putting your money to work so it grows over time and helps you meet your future needs. With Colorado SecureSavings, you have access to a range of investment options, allowing you to invest your contributions based on your retirement...
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IRA Custodial Agreement
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Is Colorado SecureSavings the same as an employer retirement plan?
Not at all. Colorado employers are mandated by state law to facilitate this state-facilitated savings program for employees, when the employer does not offer its own retirement plan.
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Is investing in Colorado SecureSavings the same as putting money in a bank?
No, there are big differences. Banks offer checking and savings accounts that typically pay less interest and might offer other savings and investment products. Colorado SecureSavings helps you save through payroll contributions to your Roth IRA and allows you to invest in various targeted,...
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Is my contribution pre-tax or post-tax?
Contributions to Colorado SecureSavings accounts are made on a post-tax basis. The percentage contributed is based on your gross income earned (the amount you make before any taxes or deductions have been taken out) with your facilitating employer. If you also contribute to a Traditional IRA, those...
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Is my employer required to offer Colorado SecureSavings?
An employer is required to facilitate the Colorado SecureSavings retirement savings program if: The business is registered to conduct business in the state of Colorado They have at least five W-2 employees who have worked for them for at least 180 days They have been in business for two or more...
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Is my personal information reported to government agencies to determine immigration status?
No, reports are not made for the purpose of determining immigration status.
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Is the contribution rate based on gross or net income?
Your contribution rate is based on your gross income (total income before taxes and other regular deductions are taken).
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Is there a fee for participating in Colorado SecureSavings?
Colorado SecureSavings has an annual asset-based fee of approximately 0.32%. This means you will pay approximately $0.32 for every $100 in your account. There is also a $22 annual account fee (that is charged quarterly at $5.50 each quarter). These fees pay for the administration of the program and...