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.
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5 Retirement Savings Strategies Beyond Your 401(k) MatchFrom HSAs to backdoor Roths and even taxable brokerage accounts, there are plenty of ways to boost retirement savings once you've hit your full 401(k) match.
By Michael Pappis, CFP®
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Roth IRAs: Convert an IRA or 401(k) to a Roth IRAAn IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution.
By Maurie Backman
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Use the 'Newton Rule' to Grow Your 401(k) Retirement SavingsHarnessing Sir Isaac Newton's rule in retirement can boost your 401(k) savings while you chill.
By Christy Bieber
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Should You Convert Your Traditional 401(k) to a Roth?Too rich for a Roth IRA? If your company offers a Roth 401(k), you can convert your traditional 401(k) to pay lower taxes in retirement.
By Tom Taulli
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Should You Convert a Traditional IRA to a Roth After 60?retirement You can convert an IRA to a Roth no matter how old you are. But if the conversion boosts your income, it could have tax consequences.
By Kimberly Lankford
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The Average Gen X 401(k) Balance Kind of BitesGen X, the first generation to rely on 401(k)s to build and grow a nest egg, is nearing retirement. 2026 data shows a hefty shortfall between the "magic number" for retirement and Gen X savings.
By Adam Shell
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The Average 401(k) Balance by Age and Generation in 2026A market rally drove 401(k) balances to new heights in the second quarter of 2026. How does your account balance stack up?
By Adam Shell
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Ask the Editor: Changes to 401(k) Catch-Up Contributions and MoreAsk the Editor Our Kiplinger Tax Letter Editor answers readers' questions about retirement plans and IRAs, including a big change to 401(k) catch-up contributions.
By Joy Taylor
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How to Manage 401(k) Rollovers to Protect Your WealthIn addition to saving and investing, financial literacy should teach us how to manage 401(k) cash-outs and rollovers so we can protect our wealth.
By Spencer Williams
