News

U.S. News Money on MSN.com · 9d

How to Take Advantage of 401(k) Catch-Up Contributions

The 401 (k) contribution limit increased from $23,000 in 2024 to $23,500 in 2025. The catch-up contribution limit remained at $7,500 for 2024 and 2025. As of 2025, individuals ages 60 to 63 will be able to make even higher catch-up contributions in employer plans, equal to 150% of the catch-up contribution limit for individuals age 50 and older.
JD Supra · 7d

IRS Proposes Changes to 401(k) Catch-Up Contributions

Our Employee Benefits & Executive Compensation Group discusses what plan sponsors and fiduciaries need to know about the Internal Revenue
SmartAsset on MSN.com · Dec 10, 2024

Super Catch-Up Contribution Limits for 401(k)s in 2025

In 2025, 401(k) participants can take advantage of ... by SECURE 2.0 The SECURE 2.0 Act also introduces a Roth requirement for catch-up contributions made by high-income earners.
Icon for www.kiplinger.comKiplinger · Jan 10, 2024

Roth 401(k) Contribution Limits for 2025

In 2025, you can save up to $23,500 in your Roth 401(k). That's a $500 bump up from 2024. If you're 50 and older, the catch-up contribution limit is $7,500, which was what it was in 2024.
Kiplinger on MSN.com · Feb 15, 2025

Roth 401(k) Changes: What You Should Know for 2025

If you're 60-63, that total is $34,750 (the $23,500 base limit plus the new $11,250 super catch-up). For more information see Roth 401(k) Contribution Limits for 2025. These Roth 401(k ...
Investopedia on MSN.com · Nov 20, 2020

IRA Contribution Limits for 2025

There are limits as to how much you can contribute and for income thresholds for individual retirement accounts. For 2024 and 2025, you can contribute $7,000.
Icon for www.waff.comWAFF · 29d

New 2025 super catch-up rules could help you save more for retirement

HUNTSVILLE, Ala. (WAFF) - If you’re behind on retirement savings, 2025 could be your year to catch up — in a big way. Thanks to changes in federal law, certain workers will soon have access to expanded contribution limits in their workplace retirement ...
Icon for www.healio.comHealio · 28d

‘Super catch-up’ contributions for retirement plans

Thus, the 2025 super catch-up equals $11,250 (150% x $7,500 ... older must make their catch-up contributions to a Roth account within their retirement plan. This means contributions must be ...
Icon for money.usnews.comU.S. News & World Report · Feb 17, 2023

New Opportunities to Make 401(k) and IRA Catch-Up Contributions

High earners will need to make catch-up contributions to a Roth account ... defer paying income tax on $30,000 in your 401(k) plan. Beginning in 2025, the SECURE 2.0 law increases the catch ...
24/7 Wall St. · 3d

I’m 45 with $7 million liquid - should I prioritize more Roth contributions in my 401(k), or just stuff it with pre-tax?

With a great deal of capital saved up at the relatively young age of 45, it’s more than worthwhile to strategize contributions to allow for sufficient liquidity while steering clear of potential tax pitfalls that one may fall into at some point down the road.
USA TODAY · 18d

3 things you need to know about HSAs in 2025

HSAs are a hybrid savings and investment account you can use to cover healthcare expenses. However, it's important to know how they work.
Icon for www.jdsupra.comJD Supra · 24d

2025 Regulatory Review: Implications for Retirement Plans and Employer Actions

401(k) plans that were designed with in-plan Roth rollover features ... The transition period ends for the catch-up contribution changes on December 31, 2025. Pension Plans: For defined benefit ...
Icon for www.nasdaq.comNasdaq · 12d

I'm 50 With $650k in My 401(k). Should I Pivot to Roth Contributions?

As of 2025, that limit is $7,000 per year, with an additional $1,000 per year in catch-up contributions allowed for those aged 50 and over. Roth 401(k)s share the same limit as all 401(k ...
Icon for www.cnbc.comCNBC · 29d

Best Roth IRA accounts of April 2025

The Roth IRA — a popular retirement account — is similar to a traditional IRA in that you can regularly contribute to the account and watch your investments grow so you have a nest egg to tap ...
Icon for edition.cnn.comCNN · 24d

Wondering if you should convert your tax-deferred retirement savings to a Roth? Here’s what to consider

An in-plan conversion means you can choose to convert some or all of your accumulated tax-deferred savings into after-tax Roth savings. The catch: You will have to ... Will your taxes go up in retirement? Trick question. The only truly correct answer ...
The Pantagraph · 10d

Ruedi: Whan plan sponsors need to know about Roth 401(k)

Plan sponsors can help employees take advantage of one of the most powerful retirement planning tools available today.
GOBankingRates on MSN.com · 8d

3 Ways Super Catch-Up Contributions Can Help You Boost Your 401(k) and Retire Sooner

This would bring their grand total employee deferral limit to $34,750 for the calendar year 2025,” explained Chris Kampitsis, CFP, financial advisor at Barnum Financial Group. Being able to contribute $3,750 more than the normal catch-up contribution ...
AOL · 22d

Last Chance Before Tax Day: How To Make 2 Roth IRA Contributions in 1 Year

If you want to make a second Roth IRA contribution within a single year, you still have time -- as long as you make the second contribution before Tax Day: April 15. This might be a good idea if
Icon for www.fool.comThe Motley Fool · Feb 13, 2025

Roth 401(k) Contribution Limits for 2024 and 2025

For 2024, employees can contribute the $23,000 standard contribution limit to a Roth 401(k) and an additional $7,500 catch-up limit for those 50 and older. The base contribution limit for 2025 is ...
Icon for www.kiplinger.comKiplinger · May 13, 2022

Roth IRA Contribution Limits for 2025

retirement, personal finance and more - straight to your e-mail. Profit and prosper with the best of expert advice - straight to your e-mail. Sign up Here's what you need to know about 2025 Roth ...
Icon for www.fool.comThe Motley Fool · Sep 4, 2018

Using 401(k) Catch-Up Contributions to Increase Your Savings

Contributions to a Roth 401(k) are taxed now ... so while you're allowed to make only $7,500 in catch-up contributions for 2024 and 2025 (unless you're ages 60 to 63) you may be allowed to ...
Icon for www.morningstar.comMorningstar · Jan 23, 2025

7 Retirement Must-Knows for 2025

So, if you are in that age band, you get to put inasmuch as $34,750 starting in 2025. It’s a good opportunity if you’re playing catch up with your retirement plan contributions to take ...
Icon for finance.yahoo.comYahoo Finance · 8d

3 Ways Super Catch-Up Contributions Can Help You Boost Your 401(k) and Retire Sooner

the super-catch up limit “gives pre-retirees a tremendous opportunity to defer additional taxes that they may withdraw at a lower tax bracket later,” Kampitsis said. If you have a Roth 401(k ...
Icon for www.thestreet.comTheStreet.com · Aug 25, 2023

IRS Announces Administrative Transition Period for New Roth Catch‑up Requirement; Catch-up Contributions Still Permitted After 2023

Under that provision, starting in 2024, the new Roth catch-up contribution rule applies to an employee who participates in a 401(k), 403(b) or governmental 457(b) plan and whose prior-year Social ...
Icon for lifehacker.comLifehacker · Mar 5, 2025

Three Roth IRA Rules to Know During Tax Season

Tax season is the perfect time to review your Roth IRA contribution strategy. While Roth IRAs offer incredible tax advantages, they come with specific rules that can trip up even savvy investors.