401(k) plans are a valuable tax-advantaged retirement savings tool for many Americans. With it often being the largest retirement asset investors own, it’s critical investors understand how to maximize savings so they earn and keep more to enjoy during retirement. The problem is many 401(k) myths keep...
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People often ask us about using their 401(k)s for different purposes, and one of the most common questions is, “Should I borrow from my 401(k) to start a business?” This is an understandable question. According to the New York Times, “From the second half of 2020 through...
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A 401(k) is a powerful investment vehicle. However, there is a lot of misinformation surrounding them. Buying into one or more of these common 401(k) myths may cost you a lot more than you bargained for come retirement. Keep reading for 9 401(k) myths exposed. #1 Your...
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It’s not uncommon for investors to change jobs and not know what to do with their 401(k) accounts, so they do nothing and leave it behind. Often, 401(k)s are left behind with old employers due to the misconception that the old employer is taking care of...
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There are important RMD changes for 2021 that every 401(k) investor needs to know about to avoid penalties. Required minimum distributions (RMDs) are IRS-mandated withdrawals from retirement accounts. The IRS requires these withdrawals to ensure that taxes are paid on amounts that were contributed on a pretax...
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If you’re looking for a way to boost 401(k) returns in 2021, rebalancing may help you do just that. Many 401(k) investors fail to rebalance and, in doing so, may potentially miss out on earning more and keeping more of their hard-earned retirement savings. Because when it...
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There’s no such thing as a dumb question – especially when it comes to 401(k) investor questions. The problem is that, for whatever reason, many investors don’t ask. If this sounds familiar, you’re not alone. CNBC reports, “Though it’s one of the most common retirement savings vehicles, 63...
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If you’re looking for a way to boost 401(k) returns in 2020, rebalancing may help you do just that. Rebalancing is the process of realigning the weightings of the assets (your investments) in the portfolio to stay in line with your risk tolerance and your timeline...
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If you’re thinking about making a 401(k) withdrawal right now to help make ends meet or have extra cash on hand, you're not alone. In fact. According to MassMutual, 55% of Americans are rethinking their retirement savings plans.¹ Before you touch your 401(k), we encourage you to...
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If you are wondering What should I do with my 401(k) right now?--you aren’t alone. Millions of 401(k) investors are wondering the same thing. Recent market volatility. Economic instability. Fear of not being employed in the near future. The sense of powerlessness over this entire virus situation and...
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