Plan sponsors and recordkeepers let out a collective sigh of relief when the Roth catch-up contribution requirement under SECURE 2.0 was delayed until 2026. And for good reason—this rule, though ...

When people are in their 20s and even 30s, they often focus their finances on paying off debts, starting a family, and buying a home. By the time they start focusing more on growing a nest egg for ...

Starting the year you turn 50, you can increase retirement contributions by an amount set by the IRS. Many, or all, of the products featured on this page are from our advertising partners who ...

Trina Paul is a Breaking News and Personal Finance Writer at Investopedia, covering topics like retirement, consumer debt, and retail investing. She focuses on making complex financial topics ...

Designed to bolster retirement savings, catch-up contributions give you an opportunity to fast-track your financial readiness before you actually retire. Yet many people either underutilize them or ...

・Starting in 2026, workers earning more than $145,000 will have to make 401(k) catch-up contributions on an after-tax (Roth) basis. ・If your employer doesn’t offer a Roth 401(k), you may lose the ...

One of the most valuable benefits for retirement savers age 50 and older is about to change. Starting in 2026, workers earning more than $145,000 will not be able to make pre-tax catch-up ...

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

Starting in 2026, Americans aged 50 and older earning over $145,000 must make their 401(k) catch-up contributions to a Roth account. This new rule means high-earning older workers will pay taxes on ...

On September 15, 2025, the Department of Treasury and Internal Revenue Service issued final regulations addressing catch-up contribution rules for 401(k) plans, 403(b) plans, and governmental 457(b) ...