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Further confusing the issue of retirement funds in 2018 are new tax laws approved by Congress at the end of 2017.Prior to passage of the GOP tax plan, many feared how the changes to the tax law could impact retirement funds and 401(k)s in particular.
The rules around 401(k)s, IRAs, Roth IRAs and other retirement savings accounts will not change as a result of the new tax rules.
Both Roth and pre-tax salary deferrals may be permitted.
A Simplified Employee Pension (SEP) IRA is a plan completely funded by the employer.
Another 18% of the business owners without retirement savings are looking at selling the businesses as the retirement plan.
A similar study conducted by the Guardian Insurance Company offered even more marked results, with 35% of small business owners surveyed reporting that they actually their businesses to fund their retirements.