For one, it has a much higher contribution limit than many other retirement accounts. In 2025, you can invest up to $23,500 per year in a 401 (k), while the contribution limit for traditional and Roth ...

(k) retirement plans come in two types: traditional and Roth. A traditional 401(k) allows you to contribute pre-tax dollars, ...

If pulling too much from a portfolio during down markets is a bad idea, filing for Social Security might look compelling.

Despite a lot of enthusiastic support for SECURE 2.0’s qualified student loan matching provision (QSLP match), employers don’t seem to be adopting that provision. Maybe there’s a reason — or two.

A 401(k) match allows an employee to receive “free” money from their employer for contributing to their retirement plan. The ...

And based on how much you earn, a Roth IRA may be an option, too. If your employer offers a 401(k) plan, you may decide to sign up for the ease and convenience it offers, not to mention a workplace ...

Roth IRA. Once you’ve secured every dollar of that attractive employer match, you can then consider pivoting your strategy to the Roth IRA. For a 24-year-old, the Roth IRA’s allure is apparent ...

That said, the SECURE 2.0 Act paves the way for matching Roth 401(k) ... The SECURE 2.0 Act also requires employer matches in a Roth 401(k) — instead of traditional — to immediately vest.

You may love your Roth 401(k), but your employer might not be matching your enthusiasm Last Updated: April 25, 2025 at 11:53 a.m. ET First Published: April 24, 2025 at 3:47 p.m. ET Share ...

By Beth Pinsker . You may love your Roth 401(k), but your employer might not be matching your enthusiasm . If you are all in on Roths, it might be a little vexing to you that your employer is not.

Employers can’t contribute directly to an employee’s personal Roth IRA, but they can still help with retirement savings in other ways. The SECURE 2.0 Act allows employers to contribute to ...