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Qualified Access

This group includes funds that restrict investment to a certain group of investors. Sometimes, the restriction is based on religious or ethnic membership, e.g. Lutherans. Sometimes, the restriction is based on membership in a certain investment plan, e.g. a retirement plan or college-savings plan.

Those offered through a retirement plan such as an employee pension plan, 401(k) or 403(b) plan. These plans meet the necessary IRS requirements to allow participants to deduct the amount of their investments from their taxable income, thereby investing pretax dollars. Money builds up on a tax-deferred basis, and when the investor withdraws money, both the principal and profit are treated as taxable income.

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