401(k)

Fidelity Investments and AARP are warning Americans against tapping retirement accounts early, saying growing financial pressure is pushing more workers to treat 401(k)s like emergency savings accounts despite steep long-term costs. According to guidance cited by AARP, workers who withdraw money...

PGIM, Prudential Financial's (NYSE:PRU) $1.4 trillion investment arm, is breaking new ground for retirement plans. The firm rolled out its first private credit collective investment trust (CIT) for defined contribution retirement plans. The fund will be used within professionally managed retirement...

Wall Street's intensifying ETF fee war may be delivering an unexpected benefit to millions of retirement savers: potentially larger 401(k) balances over time. • Vanguard S&P 500 ETF stock is trading at elevated levels. What should traders watch with VOO? Fund fees continued to be cut as...

The traditional 401(k), long dominated by mutual funds, is evolving, with ETFs moving closer to the core. The appeal is simply that ETFs combine the diversification of a fund with the flexibility of a stock, allowing investors to trade throughout the day while holding a broad basket of assets. That...

For professionals in litigation-exposed fields, the difference between a 401(k) and an Individual Retirement Account is not just tax-related; it is a legal distinction that can affect asset protection. Under the Employee Retirement Income Security Act (ERISA), qualified 401(k) plans generally...

The rise of 401(k) millionaires points out an obvious but powerful truth for all investors: Many people didn't beat the market; they essentially owned it. • State Street SPDR S&P 500 ETF Trust stock is showing weakness. What’s driving SPY stock lower? New data from Fidelity...

President Donald Trump‘s executive order could potentially expose 401(k) retirement plans to the risks of private equity investments. What Happened: Trump’s executive order, signed last week, makes it easier for alternative investments, including private equity, to be added to 401(k) ...

Bitcoin‘s (CRYPTO: BTC) sharp rebound to retest the $117,000 level has renewed trader interest, driven in part by recent U.S. policy moves expanding 401(k) access to crypto and mounting speculation over government-led debt monetization. But despite the momentum, analysts at 10x Research say...

Dave Ramsey, a renowned personal finance expert, has shared his views on the prioritization of 401(k) plans over college funds. He believes that saving for retirement should take precedence over saving for a child’s college education. What Happened: Ramsey, in an email to TheStreet,...

Entrepreneur and “Shark Tank” investor, Kevin O’Leary, has expressed concern over the increasing difficulty Americans are experiencing in contributing to their 401(k) plans due to overspending. What Happened: Despite acknowledging the importance of 401(k) plans as...

Employers and plan administrators quietly shunt forgotten 401(k)s into high-fee, low-yield "safe-harbor" IRAs, potentially costing millions of job-hopping Americans tens of thousands in retirement savings, PensionBee's research shows. What Happened: The company analyzed accounts under $7,000 that...

The Labor Department lifted restrictions that previously discouraged the inclusion of cryptocurrencies in 401(k) retirement plans on Wednesday. What Happened:  The Department of Labor's Employee Benefits Security Administration rescinded a Biden-era guidance that had urged plan...

Personal‑finance coach Dave Ramsey has a blunt message for workers fretting over market swings and shrinking 401(k) balances: your paycheck, not Wall Street headlines, is the real lever of wealth. What Happened: In an interview with The Street, Ramsey said Americans still view employer‑sponsored...

As market volatility rises amid tariff concerns and retirement account withdrawals hit record highs, Jim Cramer advocates for greater political consideration of investor interests, challenging the notion that stock market participants are exclusively wealthy elites. What Happened: CNBC’s...

Workers often forego billions of dollars in gains that they could have made off their retirement plans. Why? They unknowingly roll their savings into cash holdings instead of new investments after they switch jobs. When a 401(k) balance from an old company’s plan is rolled over into an...