In addition to pension plans, employers of all sizes offer supplemental plans. These plans are often voluntary and help employees to not only increase the amount of funds being held for retirement but also enjoy attractive tax benefits.

A profit-sharing plan allows employees to participate in the earnings of their employer. This type of plan may be IRS qualified, making it eligible for the same tax treatment as other types of pension plans. One feature of this type of plan is the following:

Some companies may offer a profit-sharing program that invests heavily in .

A thrift and savings plan has the employer contribute an amount equal to a proportion of the employees contribution to the plan. Some features of this type of plan include the following:

	If the plan is IRS qualified, contributions and earnings arent included in until withdrawn.
	An employees contribution is considered taxable income. Thus, it is income tax.

Another type of supplemental retirement program is the salary reduction plan, more commonly known as a 401(k). Some features of this type of plan include the following:

	An employee option to divert part of their salary to a company-sponsored, tax-sheltered savings account. In this way, the earnings diverted accumulate .
	Because these contributions are made pretax, the amount necessary to fund a contribution is by the contribution times the .

Another supplement retirement plan is the Roth 401(k). Some features of this type of plan include the following:

	With a Roth 401(k), contributions are from
	With a Roth 401(k), monies withdrawn from the plan are , assuming that you are and held the account for five years or more.