There is a looming retirement crisis. It’s not a possibility. It’s about to be a reality for many Americans. According to a survey by Clever, “Two-thirds of retired Americans say the U.S. is in a retirement crisis (66%). The average retiree owes $15,393 in non-mortgage debt, and...
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Choosing between paying off student loans and saving for retirement is a reality for many Americans. But that’s about to change. A provision in the Secure Act 2.0 permits employers to consider student loan payments as qualifying contributions toward retirement plans with the goal of enhancing retirement...
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Decades in the 401(k) space have made it easy for us to identify common 401(k) mistakes investors make. Obviously, the biggest 401(k) mistake is not contributing enough (or not even having a 401(k) plan). But even those who set up a 401(k) plan and contribute to it...
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For those who wonder, “How much should I contribute to my 401(k)?” you’ve come to the right place. As much as we’d like to be able to tell you an exact amount to contribute, we can’t. It varies from one person to another, depending on how much...
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Many companies offer the option to contribute to a 401(k), and the company will match a portion of those contributions. However, many investors leave this "free money" on the table by not contributing enough to receive the full 401(k) company match. If your employer offers a 401(k)...
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Years of economic hardships have sent many people online searching for helpful 401(k) articles. A 2003 Bankrate study found that “Americans are more than two times more likely to feel financially insecure than secure. Slightly more than 1 in 4 (28 percent) Americans say they are...
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The Secure Act 2.0 is bringing numerous changes to your 401(k) in 2024. The 2022 legislation had over 90 provisions in it that encourage more people to save for retirement and to help grow their retirement savings. This year we saw many of these provisions take effect....
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Contrary to popular belief, there is more to maximizing your 401(k) savings than simply contributing more. There are things you can do that don’t require you to spend a single penny. If you want to maximize 401(k) savings in 2024, the time to plan is now. Keep...
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A recent CNBC Your Money Survey reveals 46% of 401(k) investors are unaware of the specific investments in their workplace retirement plan.¹ Considering 401(k)s are most people’s largest asset, this is troubling. However, advisors cited in the article argue that this lack of knowledge may not necessarily...
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The IRS just announced contribution limits for qualified retirement plans for 2024. Keep reading below to find out exactly how much you can contribute for 2024, and start making plans now to do what you can to max out your retirement savings next year. 401(k) Retirement Plan...
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