Most people set up their 401(k) once and then quietly forget about it. They pick a contribution rate, choose a fund or two, ...

Two major retirement policy shifts — in‑plan Roth 401(k) conversions and the upcoming TrumpIRA program — could broaden access to tax‑advantaged savings. Roth 401(k) conversions, available only if ...

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Khadija Khartit is a strategy, investment, ...

You might think you already know all you need to know about how your 401(k) works. After all, the premise of such accounts is fairly straightforward: You elect to contribute a percentage of each of ...

Financial advisers and insurance agents are hoping a series of recent court rulings and Department of Labor actions that ...

Higher catch-up contribution limits, simpler RMD rules, and clearer language for inherited RMDs could greatly simplify the ...

If you're going to save for retirement, it generally makes sense to do so in a tax-advantaged account. That way, you can shave down your IRS bill in some shape or form in the course of building up a ...

These issues are avoidable with careful planning.

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

Sometimes, changes in laws, tax policies, and even economic instability can affect 401(k) retirement plans directly or indirectly. During President Trump's first term, his administration made changes ...

If you've saved $1 million for retirement, the IRS dictates how much you withdraw, whether you're ready or not.