Many investors who have left a 401(k) behind with their past employer may not think it’s a big deal. But it is. And it’s one that may be costing you more in retirement savings than you think. Capitalize recently published a white paper The True Cost of...
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The IRS has announced contribution limits for qualified retirement plans for 2022. However, there may be changes coming to the info below. In the November 3 draft of the Build Back America Act currently sitting in Congress, there are proposed provisions to curb contributions and accelerated distributions...
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If you’re confused by your 401(k) plan, you aren’t alone. According to a J.P. Morgan 2021 Defined Contribution Plan Participant Survey, 401(k) investors are “overwhelmed and unsure about the various aspects of retirement planning.”¹ In fact, 52% feel they are presented with more plan information than they...
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“Should I borrow from my 401(k) to get a house?” is a question that comes up quite a bit, especially with first-time homebuyers. It’s understandable because it can be difficult for many first-time homebuyers to accumulate enough savings to make a down payment. It’s standard for banks...
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When it comes to retirement planning, there is often a big discrepancy between how much money people think they need and how much they actually need. And so, year after year, investors fund their retirement accounts based on how much they can afford to save now,...
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Planning for retirement may include choosing between traditional and Roth 401(k) plans. Unless you are a financial advisor or have spent a significant amount of time reading up on both, it may be difficult to understand the difference between a traditional 401(k) and a Roth 401(k). Not...
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School is starting around the country, which means millions of young adults will be paying for college. And college isn’t cheap. According to Fidelity Investment's 2021 College Savings and Student Debt Study: For the 2020-2021 academic year, the average cost at a private, nonprofit 4-year college was...
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As parents, we make it our goal to take care of our children, protect them from harm, and help them succeed. So, it is no surprise many parents are unsure if they should put their retirement savings over kids’ college tuition or vice versa. Especially when you...
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401(k) loans are attractive because you don’t need to have good credit, you enjoy low interest rates, and you pay interest to yourself instead of a creditor. Taking a 401(k) loan may make sense in some situations, but if you don’t know what you’re getting yourself...
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We’re halfway through 2021, which means it’s the perfect time to check in on your financial goals and objectives for the year. Review our top 9 personal finance tips for third quarter and see what you can do now to end the year strong. #1 Know...
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