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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Retired and Worried About a Recession? Six Ways to Prepare
Retirees can plan for a near-term recession with a range of strategies, from small investment changes to significant lifestyle hacks.
By Maurie Backman Published
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Is a 401(k) Without An Employer Match Worth It?
The stock slump has hit 401(k)s hard in recent days. But even without a company match, contributing to a 401(k) can still be a great choice if your goal is long-term retirement savings.
By Kathryn Pomroy Published
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You're Stuck Taking RMDs: Now What?
When you've got to take required minimum distributions (RMDs) make some lemonade. Here are our top ideas for using the extra cash to enrich your life — or that of others.
By Maurie Backman Published
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How AI Will Impact Your Workplace Retirement Plan
It's early days, but AI will bring new efficiencies and personalization to your workplace retirement plan.
By Christy Bieber Published
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Good News: Most Companies Are Still Committed to 401(k)s
A MetLife study shows most companies are committed to 401(k) employee plans, even amid economic turmoil.
By Christy Bieber Published
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Are You a Retirement Millionaire Too Scared To Spend?
If you are too scared to spend money in retirement, you may be saddled with regret. Here are three ways to safely enjoy your sizable retirement nest egg.
By Donna Fuscaldo Published
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Retirement Savings on Track? How Much You Should Have by 50 and 55
See how your retirement savings compare to this Wall Street guide for people aged 50 and 55, ranked by income.
By Donna Fuscaldo Last updated
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Kick the IRS to the Curb in Retirement
That 401(k) or traditional IRA you've filled with your hard-earned money could turn into a tax bomb. Before it blows, see if a Roth could help rescue you.
By Scott Mallernee, CRPC® Published
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Retirement Mostly for Fortune 500 Workers, Says BlackRock CEO
Larry Fink believes that an adequately funded retirement is beyond the reach of most Americans. He has three suggestions for fixing the problem.
By Christy Bieber Published