While data shows more people are saving for the future, others are putting their financial futures at risk by taking 401(k) hardship withdrawals. 401(k) hardship withdrawals should be a last resort, but people are playing fast and loose with their retirement savings, as shown by recent...
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There are common 401(k) mistakes we see investors making over and over again – from failing to rebalance to not keeping up with legislation. The 401(k) is one of the biggest assets people have in retirement. It’s not enough to think you’ll be ready to retire simply...
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401(k)s are often the largest asset people have for retirement. We save year after year, paycheck after paycheck, with the goal to have a comfortable retirement. However, there are times when we may be tempted to dip into our retirement savings before we reach retirement age. While...
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For 401(k) investors over 50, retirement is around the corner. And, with the market volatility over the past year, many are wondering how to best protect their savings and ensure they have enough for retirement. If you’re nearing retirement and want to do what you can...
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Vesting schedules prevent 401(k) investors who don’t stay long at a company from taking their employer retirement contributions with them when they change jobs. Which means the money your employer contributes to your 401(k) may be taken back should you decide it’s time for a change. With...
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A record number of Americans are taking hardship withdrawals and tapping into their 401(k)s. According to Fidelity, “Participants taking hardship withdrawals from their accounts rose to 2.4% last year, up from 1.9% in 2021.”¹ This represents the highest share of hardship withdrawals recorded by the financial...
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The current inflation rate in the United States is 8.2%, so it is not surprising that people are feeling anxious about the future. So anxious that many are no longer contributing to their 401(k)s. Given the current prices of food, gas, and shelter, it’s easy to see...
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If you’re one of the millions of people who recently left a job, there’s one thing that’s worse than leaving behind your 401(k) with a past employer – and that is making a very costly 401(k) rollover mistake. More than 4 million people have left their...
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If you’re thinking about making a 401(k) withdrawal right now to pay off high-interest debt, help make ends meet, or have extra cash on hand, you may want to think again. Or at least educate yourself on the possible consequences, so you make the move with...
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Generally speaking, taking out a 401(k) loan should be your last resort. Yes, there are times when it may make financial sense, such as borrowing to make the down payment on a new home or because you’re in dire financial need. And with the cost of...
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