Retirement Plans
News, insights and expert analysis on retirement plans from the team at Kiplinger.
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The Average IRA Balance by Age and Generation in 2026A 36% increase in contributions versus a year ago and a bull market in stocks powered the average IRA account balance to a 10% increase in the second quarter of 2026.
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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Avoid Estimated Tax Payments in Retirement With RMD WithholdingRMDs If you don't need the money to live on, wait until December to take your RMD, and ask the sponsor to withhold a big chunk for the IRS.
By Kevin McCormally
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The Hardest Habit for Millionaires to Break in RetirementAfter decades of saving, many affluent retirees find spending harder than accumulating wealth. Here is why money habits are so hard to break — and how to finally enjoy your savings.
By David Conti, CPRC
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Why You Need an Advance DirectiveAn advance directive defines the medical care you want if you are too ill to make decisions. Every adult needs one.
By Jacob Wolinsky
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Is 'Prepaying' Your Retirement Dreams Worth the Financial Risk?From buying mountain homes in Puerto Rico to locking in RVs early, pre-retirees are making bold financial moves. Here’s when it pays off and when it breaks the bank.
By Donna Fuscaldo
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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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Why You Need a Power of AttorneyHaving a power of attorney is critical should the time come when you can't make health and financial decisions on your own.
By Ella Vincent
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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
