A 401(k) is one of the most important financial accounts you'll ever own, yet many investors don't fully understand how it works. Understanding key 401(k) terms, including employer match, vesting schedules, and target-date funds, can help you make more informed decisions, avoid costly mistakes, and...
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Married couples each have their own 401(k), but many retirement decisions work best when they're made together. Coordinating employer matching contributions, reviewing beneficiary designations, and understanding what happens to a 401(k) after death or divorce may help couples make the most of their retirement savings...
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The IRS issued Notice 2026-49 on August 12, 2026, with 4 optional sample forms and a 5-step process to simplify direct rollovers between retirement plans and IRAs. The guidance does not change rollover tax rules, and the public may comment through October 23, 2026. Takeaways Notice...
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A custodial Roth IRA lets parents help a child with earned income start building long-term wealth. By starting early, children gain decades of potential tax-free growth while learning the value of saving and investing. Takeaways A custodial Roth IRA can help children build long-term wealth...
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Summary Small financial decisions can have a big impact over time. Before summer ends, take a few minutes to review your 401(k), emergency savings, beneficiary designations, and retirement plan to help keep your long-term goals on track. Takeaways Increasing your 401(k) contribution by just 1% may add...
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Women are often more consistent retirement savers than men, according to Vanguard's How America Saves 2026 report. They participate in 401(k) plans at higher rates and frequently save a larger percentage of income. Despite these stronger savings habits, lower earnings and career interruptions continue to...
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Healthcare may be one of the largest expenses you'll face in retirement. According to Fidelity, a 65-year-old retiring today may spend an average of $172,500 on healthcare costs throughout retirement, and that estimate does not include long-term care. Understanding what Medicare covers, what it doesn't,...
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Wondering what to do with your 401(k) during market volatility? While market downturns can be unsettling, panic selling, stopping contributions, and taking early withdrawals often cause more damage to retirement savings than the decline itself. Key Takeaways The average 401(k) balance fell during the first quarter...
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A 401(k) offers several powerful retirement benefits, including tax advantages, employer matching contributions, catch-up contributions, and long-term investment growth. Understanding these benefits of a 401(k) may help you make smarter decisions with every dollar you save. Why Is a 401(k) Important for Retirement Savings? A 401(k) is...
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401(k) withdrawal rules determine when you can access your money and what it will cost you. While you can typically withdraw penalty-free after age 59½, earlier withdrawals may trigger taxes and penalties, unless you qualify for exceptions. Understanding these rules can help you avoid costly...
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