401(k) Plans
17 articlesThe strongest articles will unpack retirement taxes, Medicare planning and beneficiary planning and bring in 401(k) plans, individual retirement accounts and Roth IRA only where they clarify costs, eligibility, reporting duties, account access or investment exposure.
How Parenthood Changes Household Finances and Retirement Priorities
Raising children can consume up to 19% of household income, forcing many parents to cut back on retirement savings just as early investing matters most. Learn how to balance immediate family costs with long-term financial security
What 40-Somethings' Portfolios Really Look Like
A significant share of Americans in their 40s have little or no retirement savings, with median financial assets well below expert benchmarks-raising questions about how this generation will fund their future needs
When 401(k) Balances Peak: How Retirement Savings Change From Your 20s to 80
Median 401(k) balances more than double each decade from your 20s to 50s, but typically decline in your 60s and 70s as withdrawals and rollovers begin-reflecting the shift from saving to spending in retirement
Why Your Retirement Contribution Rate Matters More Than Most People Realize
Many Americans contribute less than 10% of their income to retirement plans, but even a 1% increase early in your career can add tens of thousands of dollars to your nest egg by retirement
Why SEC Mutual Fund Standards Matter for Retirement Investors
Retirement plan fiduciaries face growing pressure to evaluate investment performance, but not all funds are held to the same standards. Here's what makes SEC mutual fund reporting uniquely reliable-and why it matters for your 401(k)
Making Sense of Modern Crypto
Many Americans regret not saving enough for retirement as longer lifespans and rising healthcare costs strain personal finances. Early, consistent contributions-even small ones-can significantly improve future security
How Gen Z Is Saving for Retirement Earlier Than Previous Generations
Gen Z workers are building retirement savings earlier than their predecessors, with average 401(k) balances of $13,500 and a majority expressing confidence in their future financial security despite economic headwinds
How Much Millennials Have Saved So Far for Retirement
Vanguard data shows the typical millennial has less than $50,000 saved for retirement, but consistent contributions and compounding could still put a $1 million nest egg within reach for many-if they start early and increase savings rates
Median Earnings Rise to Nearly $60,000 for Workers Ages 25 to 34
Americans ages 25 to 34 now earn a median $59,280 annually-almost 50% more than younger workers-but rising student debt, rent, and delayed homebuying are squeezing savings and raising concerns about long-term financial security
Waiting Until 70 to Claim Social Security Can Pay Off Big
Delaying Social Security benefits until age 70 can boost monthly payments by more than 75% compared to claiming at 62, but the strategy requires careful planning to bridge income gaps and manage retirement savings withdrawals
Median 401(k) Balances for Workers in Their 30s: What to Know
The typical 401(k) balance for Americans in their 30s is now $78,900, but competing financial demands and access to retirement plans can make saving a challenge for many in this age group
Retirement Savings Targets at 59: How Much Is Enough
Approaching age 59 means you're nearing penalty-free retirement withdrawals, but most Americans fall short of recommended savings multiples. See how much you should have saved, what the data shows, and practical steps to close the gap
Oppenheimer Warns S&P 500 Rally May Face Fall Correction Risk
With the S&P 500 at record highs and Nvidia now valued above most national economies, Oppenheimer is signaling a potential seasonal pullback that could test investors' resolve before year-end
How High Earners Max Out 401(k) Plans-and Why It Matters
Just 14% of U.S. workers with defined contribution plans reach the annual 401(k) contribution limit, with higher-income earners far more likely to do so. Early, aggressive saving can dramatically increase retirement balances through compounding
DOL Faces 40,000 Comments on New Retirement Plan Rules
The Department of Labor's proposed ERISA regulations have sparked over 40,000 public comments, revealing sharp divides among fiduciaries, plan sponsors, and industry groups over how retirement plans should handle private assets and litigation risk
How Leaving a Job Can Impact Your 401(k) and Retirement Savings
Changing jobs can trigger unexpected 401(k) moves, forced cash-outs, or automatic rollovers. Learn how balance size, account type, and IRS rules affect your options-and what steps to take to avoid taxes, penalties, or lost investment growth
How SpaceX’s Nasdaq-100 Debut Impacts Your 401(k) Investments
SpaceX’s rapid entry into the Nasdaq-100 means millions of Americans now hold a stake in Elon Musk’s company through index funds, even if they never bought the stock directly. Here’s what that means for your retirement portfolio and risk exposure