401k
News, insights and expert analysis on 401k from the team at Kiplinger.

401(k)s are tax-advantaged plans that allow you to put money aside through your employer's payroll deductions. Since their inception 40 years ago, 401(k) plans have become the retirement plan of choice for most employers, largely replacing traditional pension plans. If you'd like to know more about whether a 401(k) is right for you, the different rules and how to set one up, start with our beginner's guide: 10 things you should know about 401(k)s then work your way through our other features and guides on 401(k)s to get all the information you need.
Latest
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16 Retirement Mistakes You Will Regret Forever
retirement From saving too little to claiming Social Security too early, there are plenty of ways that current and future retirees can sabotage their golden years.
By Bob Niedt Last updated
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The Average Retirement Savings by Age: Are You Keeping Up?
Think you may have more retirement savings than your peers? Here's your answer.
By Donna LeValley Last updated
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The 401(k) Loan Dilemma: Is It Ever a Good Idea?
Sure, you can take a loan from your 401(k) plan if necessary, but it runs the risk of jeopardizing your long-term retirement goals, so make sure to consider your options carefully.
By Kathryn Pomroy Last updated
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Your 401(k) is Changing: Trump Opens the Door to Private Assets, Cryptocurrency
President Trump signed an executive order allowing alternative investments in 401(k)s. Here's what it means to your retirement savings accounts.
By Donna Fuscaldo Last updated
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Eight 401(k) Mistakes That Can Tank Your Retirement
401(k) mistakes like cashing out early and not taking advantage of an employer match can upend your retirement.
By Kathryn Pomroy Last updated
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My Great Retirement Dream: Sell My House, Downsize, Live off the Proceeds and Dabble in Stocks. Here's How I’m Doing So Far.
I asked an expert financial planner if my retirement dreams are realistic — or if my head is in the clouds. Here is how it's been going so far.
By Donna Fuscaldo Last updated
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Already Hit Your 401(k) Limit in 2025? Here's What to Do Next
Maxed out your 401(k) contributions, but still want to tuck away money for retirement? Here are seven ways you can take advantage of being a super saver.
By Kathryn Pomroy Published
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I thought I'd be set, but my $3 million isn't buying the retirement I imagined. What should I do?
If your nest egg isn't providing the retirement lifestyle you dreamed of, it's time to ask whether it's your money that's the problem — or your mindset.
By Maurie Backman Published
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Five Things to Consider Before Rolling Your 401(k) into a Roth IRA
Converting at least some of an old 401(k) to a Roth IRA can offer long-term tax benefits and retirement flexibility, especially if you anticipate being in a higher tax bracket later or wish to leave a tax-free legacy.
By Sean Kelly, Investment Adviser Representative Published