Retirement Plans
News, insights and expert analysis on retirement plans from the team at Kiplinger.
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Why Every Grandparent Should Consider a Custodial Roth IRA NowTime is a young investor’s greatest asset. Discover how small contributions today can evolve into a tax-free fortune by the time they retire.
By Donna LeValley
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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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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 even better 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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Early Retirement Withdrawal Strategies for the Long HaulYour early retirement withdrawal plan can make or break your FIRE strategy. Think beyond financial independence to how you will maintain a stable portfolio.
By Jacob Schroeder
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3 Questions to Determine if a Roth Conversion Will Actually Save You MoneyDon't let a Roth conversion backfire. Learn the 3 questions every investor needs to ask about tax brackets, liquidity and asset allocation before making the move.
By Donna Fuscaldo
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SEP IRA Contribution Limits for 2026SEP IRA A good option for small business owners, SEP IRAs allow individual annual contributions of as much as $70,000 in 2025, and up to $72,000 in 2026.
By Jackie Stewart
SEP IRA -
SIMPLE IRA Contribution Limits for 2026For 2026, the SIMPLE IRA contribution limit is $17,000, with a $4,000 catch-up for those 50 and over, totaling $21,000.
By Jackie Stewart
