If you're overwhelmed by high-interest debt, you might wonder: Should I stop 401(k) contributions to pay off debt? This is a deeply personal question and one without a one-size-fits-all answer. Debt can feel like a weight dragging your finances down. And with high-interest rates, the cost of carrying...
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Borrowing from a 401(k) to start a business may seem like a fast way to fund your dream, especially if you’re short on startup capital. But before you dip into your retirement savings, we believe it’s important to understand what borrowing from a 401(k) to start...
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Ending a marriage is hard enough on its own, but figuring out what happens to your 401(k) after divorce can make it even more complicated. This is because 401(k) accounts cannot simply be separated like other marital property. Ben Storey, director, senior retirement product manager of Retirement...
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If you've ever tried to roll over a 401(k), you know the process isn’t exactly seamless. While much of the financial world has gone digital, rollovers are typically still stuck in the past with printed forms, mailed checks, and weeks-long waits. This isn’t just frustrating. According to new...
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Watching your 401(k) account dip during a market downturn can feel like a punch to the gut. We understand it's stressful. It’s emotional. And if you’re like most people, your first instinct might be to hit the panic button. But here’s the truth: Panicking is the worst thing...
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Your 40s and 50s are often the prime years for building wealth, but too many people may make avoidable mistakes with their 401(k)s – mistakes that could cost them in retirement. Whether it’s not saving enough, ignoring market shifts, or borrowing from your future, these missteps...
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401(k) plans are designed to help in retirement, but if you don’t follow the rules, you may find yourself facing 401(k) withdrawal penalties. This is because the purpose of a 401(k) plan is to provide money following retirement from employment – not function as a general...
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401(k) plans are a critical tool for many Americans striving to secure their retirement. These tax-advantaged accounts often represent a significant portion of an investor’s financial future. However, common misconceptions about 401(k) plans may hinder participants from optimizing their retirement savings. Sometimes, the beliefs we hold...
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Allianz Life's 2024 Annual Retirement Study is out, and it shows a whole lot of Americans lack plans for retirement income. In fact, more than half of Americans do not have a plan in place for retirement.¹ If that isn’t troubling enough, in a report entitled Americans...
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Many Americans are potentially missing out on retirement savings by falling victims to the 401(k) to IRA rollover cash trap. According to Andy Reed, head of investor behavior research at Vanguard, “IRA cash is a billion-dollar blind spot.”¹ A recent report from Vanguard found that almost two-thirds...
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