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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How to Hit the $24,500 401(k) Limit in the Next 6 MonthsDon't leave money on the table. If you want to maximize your retirement savings this year, it's time to adjust your paycheck math right now.
By Kathryn Pomroy
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Retirees are Loading Up On Stocks: Is That Wise or Risky?Many older savers are breaking the "golden rule" of retirement investing. Is your 401(k) taking on too much risk?
By Adam Shell
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16 Retirement Mistakes You Will Regret ForeverFrom 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
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How 401(k) Savers Just Triggered a Big Market ShiftRather than running to the sidelines or moving to cash when things get bumpy, seasoned savers are building up their balances and locking in long-term security.
By Donna LeValley
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You’ve Mastered Asset Allocation — Now It’s Time for Asset LocationIn our retirement advice column, Wealth Wise, a 66-year-old retiree learns how strategically placing your stocks, bonds, and cash can save you thousands.
By Maurie Backman
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The 2026 Mid-Year Retirement ResetChecklist of 6 easy things you can do in June to improve and secure your finances.
By Donna LeValley
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Crypto 401(k) Options Are Expanding: The Only Reasons To Actually Click BuySome employers are adding digital tokens to retirement plans. Before making a speculative move, here is the risk checklist advisors recommend.
By Donna Fuscaldo
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The Average 401(k) Balance by Age and Generation in 2026How did your 401(k) balance and savings rate rank vs savers your age in the first quarter of 2026? Learn the keys to building a retirement account that will last a lifetime.
By Adam Shell
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4 Reasons to Roll Over Your 401(k) Into an IRA (And 4 Reasons Not To)We tell you when it makes sense to move your 401(k) account to an IRA — and when it’s smart to stay put.
By Sandra Block
