Retirement Plans
News, insights and expert analysis on retirement plans from the team at Kiplinger.
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Roth IRA Contribution Limits for 2026Roth IRAs Roth IRAs allow you to save for retirement with after-tax dollars while you're working, and then withdraw those contributions and earnings tax-free when you retire. Here's a look at 2026 limits and income-based phaseouts.
By Jackie Stewart
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Roth 401(k) Contribution Limits for 2026retirement plans The Roth 401(k) contribution limit for 2026 has increased, and workers who are 50 and older can save even more.
By Jackie Stewart
retirement plans -
7 Assets to Leave Out of Your Roth IRAInstead of treating your Roth IRA as "the best account" for everything, consider keeping these seven assets in accounts with better tax benefits or flexibility.
By Jeff Judge, CFP®, ChFC®, CLU®, AEP®
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Inheriting an IRA? The 3 Decisions That Could Cost You ThousandsDon't get hit with a big tax bill thanks to an inherited IRA. Learn the rules and save.
By Donna Fuscaldo
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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
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Are You Getting Vague Advice About Roth Conversions?If your adviser isn't crunching all the numbers and showing you a complete picture (in writing), then you might need to find one who will.
By Robert Martin
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IRA Rollover Stuck in Neutral? This Easy Mistake Can Cost YouRollover IRAs can end up stuck in cash, while abandoned 401(k)s can be parked in a cash-like Safe Harbor IRA. Here's how to put your money back to work.
By Romi Savova
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The 401(k) Loan Dilemma: Is It Ever a Good Idea?Go ahead. Take a loan from your 401(k) plan, but be aware that it runs the risk of jeopardizing your long-term retirement goals, so consider your options carefully.
By Kathryn Pomroy
