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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Changing Jobs and Cashing Out Your 401(k)? Read This FirstMany workers find it easier to leave 401(k)s behind when they move to a new job, or cash out small balances that are better left invested, but you have options.
By Spencer Williams
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Buying a Home With Your 401(k)? Consider the Risk to Your RetirementPulling money from a 401(k) to buy a property now means you'll lose the power of compounding — and decades of potential growth those funds could have generated.
By Mike McCracken
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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 to Max Out Your 401(k) in 2026 (New Limits are Higher)In 2026, the maximum contribution limits for 401(k) plans have increased, giving you an excellent shot at maximizing your retirement savings.
By Kathryn Pomroy
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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
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Want to Retire With $100K a Year? Here's How Much to SaveWhat "magic number" will be enough to generate $100K a year in retirement income? We do the math for you.
By Adam Shell
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Qualify for Roth IRA Contributions by Lowering Your Income401(k)s If your income is just above the cutoff (MAGI) to qualify for Roth IRA contributions, these strategies will help you meet it and lower your taxes.
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. There's a hefty shortfall between the "magic number" for retiring and Gen X savings.
By Adam Shell
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Should I Take Out a Loan From My $1.5 million 401(k)?We asked a wealth planner if borrowing from a 401(k) for a home improvement project would throw a retirement plan off course. The answer may surprise you.
By Donna Fuscaldo
