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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401(k) mistakes aren’t just about saving too little – they’re also about poor planning. Common issues like tax-heavy accounts, lack of diversification, and early withdrawals can reduce your retirement income even if your balance is growing. Takeaways Saving money isn’t enough—you need a retirement strategy. Too...
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A 401(k) student loan match allows employers to make retirement contributions based on your qualified student loan payments instead of requiring direct 401(k) contributions. This SECURE 2.0 provision helps employees pay down debt while still earning valuable employer retirement matches. Key Takeaways Employers can match your...
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More than half of recent retirees say they regret how they saved, and only 2 in 5 feel on track with their original retirement plan. See what the data reveals and how to stress-test your 401(k) strategy before retirement begins. What’s Really Happening to Recent Retirees? There’s...
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Professional 401(k) management may help investors navigate higher contribution limits, market volatility, and rising complexity in 2026. This article explains what’s changed, how personalized management differs from robo-advisors, and why working with a fiduciary may help improve long-term retirement outcomes. What's Changed in 2026: Why This...
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Summary Increasing your 401(k) contributions can be one of the most effective ways to strengthen your retirement outlook. Even small increases may significantly boost long-term savings, reduce taxes, and help close the gap between where most investors are today and where they need to be. Why Increasing...
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Most employees don’t fully understand how their 401(k) works. This guide answers the most common 401(k) questions for 2026 – from contribution limits and employer matching to fees, vesting, Roth options, and withdrawals – so you can avoid costly mistakes and make smarter decisions with...
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Summary Starting in 2026, higher earners age 50 and older must make 401(k) catch-up contributions as Roth contributions if prior-year FICA wages exceed $150,000. This rule impacts take-home pay, tax planning, and retirement strategy – making it critical to plan ahead. What Changed in 2026 with...
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