There's a new rule for high earners over 50 who want to take advantage of catch-up contributions to their 401(k)s. People earning more than $150,000 will now have to direct catch-up funds into a Roth ...
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70% of workers in their 40s and 50s fear a worse retirement than their parents. Their biggest 401(k) catch-up years could still be ahead
Quick Read70% of U.S. workers in their 40s and 50s expect a worse retirement than their parents, per a WTW 2026 survey of ...
Workers ages 60 to 63 can contribute $35,750 to a 401(k) in 2026, but the enhanced $11,250 catch-up disappears in the year they turn 64. Maxing all four eligible years produces roughly $143,000 in ...
A rule buried inside SECURE 2.0 quietly took effect on January 1, and if you earned six figures last year and plan to make catch-up contributions, the way your employer routes that money could cost ...
Catch-up contributions let you add extra savings to your retirement accounts as you near the end of your earning years. Under new rules, if you earn over a certain income threshold, your catch-up ...
In 2026, 401 (k) participants who are 50 or older and high earners will face new rules regarding catch-up contributions made to their employer’s 401 (k) plan.
Millions of older workers counted on pre-tax 401(k) catch-up contributions to shave thousands off their annual tax bills during their highest-earning years. That familiar strategy no longer works for ...
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