Takeaways Most 401(k) plans let you change your investments online at any time, though some funds may limit frequent trading. Changing where future contributions go and changing how your current balance is invested are two separate steps. Life changes, a shift in your...
Holiday spending decisions can affect your finances long after the decorations come down. Asking five questions before each purchase may help you avoid unnecessary debt, stay within your holiday budget, and keep your retirement savings on track into the new year....
Before 2026 ends, review your retirement savings, consider increasing 401(k) and IRA contributions, use eligible catch-up contributions, and rebalance your investments. For 2026, new Roth catch-up rules also apply to certain higher earners making 401(k) catch-up...
Retirement savings stress often comes from uncertainty, not just your account balance. Creating a retirement plan, reviewing your 401(k) regularly, and getting professional help when needed can help you make more informed decisions and feel more confident about your...
An HSA for retirement may help cover future healthcare costs while providing 3 tax advantages: pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Common HSA mistakes include spending funds too early, leaving eligible funds...
A 401(k) is one of the most important financial accounts you’ll ever own, yet many investors don’t fully understand how it works. Understanding key 401(k) terms, including employer match, vesting schedules, and target-date funds, can help you make more informed...
Married couples each have their own 401(k), but many retirement decisions work best when they’re made together. Coordinating employer matching contributions, reviewing beneficiary designations, and understanding what happens to a 401(k) after death or divorce may help...
The IRS issued Notice 2026-49 on August 12, 2026, with 4 optional sample forms and a 5-step process to simplify direct rollovers between retirement plans and IRAs. The guidance does not change rollover tax rules, and the public may comment through October 23, 2026....
Rebalancing is the act of periodically adjusting your 401(k) investments back to your intended asset allocation. While it does not guarantee higher returns, regular rebalancing may help manage risk, maintain diversification, and keep your retirement strategy aligned...
Fall spending often increases because back-to-school costs, seasonal expenses, holiday travel, and gift shopping happen within a few months of each other. Preparing for those expenses now may help you avoid unnecessary debt and help you keep contributing to your...
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