Franklin Templeton Investments Small Business Retirement Plans

Franklin Resources, Inc., is a global investment management organization known as Franklin Templeton Investments. Our headquarters are located just south of San Francisco, in San Mateo, California. We have offices in 29 countries around the world and offer investment solutions and services in more than 150.

What we do

We offer investment solutions under the Franklin, Templeton, Mutual Series, Bissett, Fiduciary Trust and Darby Overseas names. We manage investment vehicles for individuals, institutions, pension plans, trusts, partnerships and other clients.

We're publicly owned

Our common stock is listed on the New York Stock Exchange under the ticker symbol BEN.


SIMPLE IRA

A Savings Incentive Match Plan for Employees (SIMPLE) IRA is an arrangement that allows employees to save for retirement primarily through their own salary deferral contributions. The employer also makes contributions, generally through a matching contribution.

May be suitable for employers who want to offer employees a low-cost retirement program that allows for salary deferrals.

Employer Advantages

Easy administration

Low cost

Primarily funded with employee contributions

Employer contributions deductible for employer

Attraction/retention of valuable employees

Employee Advantages

Deferral reduces employee's taxable income; earnings are tax-deferred

Employer contributions

Control over investment choices

You can set up a SIMPLE IRA if you have 100 or fewer employees.


SEP IRA

A Simplified Employee Pension (SEP) IRA allows employers to make contributions to their employee accounts.

The amount of the contribution can change each year and may not be made at all, depending upon the employer's circumstances and discretion.

May be suitable for:

Self-employed individual

Employer with variable earnings

Employers who want the ability to change contributions annually

Employer Advantages

Flexible yearly contributions

Easy administration

Low cost

Employer contributions deductible for employer

Employee Advantages

Potential employer contributions

Earnings are tax-deferred

Control over investment choices

Profit Sharing

A Profit Sharing Plan allows employees to save for retirement by sharing in the company's profits (although profits are not a prerequisite). Each year, the company decides the percentage of compensation it will contribute to the individual account of each eligible employee.

The amount of the contribution can change each year or may not be made at all, depending on the employer's circumstances and discretion.

May be suitable for:

Employers who want to provide a retirement program without a salary deferral option

Employers who want the flexibility to change contributions annually

Employers who want to use a contribution vestiong schedule to help retain long-term employees.

Employer Advantages

Flexible yearly contributions

Low cost

Tax benefits

Optional vesting schedule

Employee Advantages

Employer-only contributions

Tax-deferred compounding benefits

Investment choices on employer contributions

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