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How can I maximize my 401(k)?
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Your Employer Knows Best. Perhaps
More employers are using re-enrollments to help employees get their retirement investments on track. Re-enrolling is when the company shifts workers' 401(k) dollars out of their current allocations and into the plan's selected default optionâtypically a target-date fund.
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So You've Maxed Out. Now What?
If you still have money you want to save after filling up your 401(k), our research shows that you should follow this pattern.
THE LATEST
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June 12, 2013
Invest like a pension-plan pro; Reach for new levels of diversification and risk balance
MarketWatchIf you’re looking to improve the risk-adjusted performance of your retirement portfolio then maybe it’s time you invested your money like defined-benefit plan managers.
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May 30, 2013
Retirement Investing; New Bells and Whistles for 401(k) Plans; Free online tools aim to help people save more for retirement—as well as better manage what they have
WSJ.comIf you haven't checked out your 401(k) plan's website lately, it's time to take a closer look.Retirement-plan providers, along with a few financial-planning services, are adding new online tools to help people saving for retirement better ...
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May 23, 2013
Stocks are for the young and the restless; Match stocks and tax diversification to your life stage
MarketWatchHave you invested with your career in mind, matching your risk tolerance to your age, earnings and career prospects?Now that the stock market is hitting new highs, some advisers say it’s the right time for retirement savers to review how ...
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May 3, 2013
Could this plan replace the 401(k)? More employers cut costs with ‘cash balance’ pensions
MarketWatchThe retirement world is largely focused on 401(k) and traditional defined benefit plans. But investors and financial advisers alike should be paying closer attention to something called a cash balance pension plan. Cash balance plans are ...
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April 7, 2013
Need to Know; Get Those Required Withdrawals Right; At 70½, rules for minimum distributions from retirement plans kick in. Here's how to avoid penalties.
WSJ.comMillions of Americans know the advantages of putting money into tax-deferred retirement savings, such as 401(k) plans and individual retirement accounts. And many know that the government will get its share eventually. Withdrawals are ...
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April 5, 2013
Investment Strategy; A 401(k) Defense Against Rising Rates; 'Stable value' accounts are likely to fare better than bond funds when interest rates head up again
WSJ.comThey're as boring as they sound. They're more complex than they seem. But stable-value accounts can be a smart option for the most conservative slice of a 401(k) portfolio, especially in the current interest-rate environment.
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April 3, 2013Voices: Robert Richter, on How Tax Reform Could Affect 401(k) Plans
WSJ.comVoices is an occasional column that allows wealth managers to address issues of interest to the advisory community. Robert Richter is the Jacksonville, Fla.-based vice president of SunGard's wealth & retirement administration business, ...
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April 2, 2013Salvaging Some of the Inheritance
WSJ.comTwo brothers, 22 and 24 years old, were named the beneficiaries of their father's 401(k) plan when he divorced their mother in 2003. The father remarried in 2009 but suddenly passed away two years later.
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March 26, 2013Saving the House for Ailing Elderly Clients
WSJ.comThe clients were in their early 80's, and faced with a not-uncommon crisis: Chronic illness was wiping out their savings.By the time they contacted adviser Steve Gaito for help, they had spent virtually every penny in a 401(k) and had just ...
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March 17, 2013
Not Your Normal Nest Egg; 'Collective trusts' are unfamiliar, opaque—and worth a second look
WSJ.comAn investment product with an unfamiliar name, no ticker symbol and hard-to-find performance data isn't likely to be the most popular option in a 401(k) retirement-savings plan.
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February 12, 2013A Rare Case for a 401(k) Loan
WSJ.comThe husband and wife, both in their early 30s, came to financial adviser Chad Carlson for advice on rolling $60,000 in savings from an old 401(k) plan into a new IRA.
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January 8, 2013More Attention to 401(k)s Can Pay Off
WSJ.comFinancial advisers who help investors make more of their 401(k) accounts can deepen client relationships and sometimes add significantly to assets under management.
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January 6, 2013
Retirement Planning; How Good Is Your Company's 401(k)? Before deciding where to stash your retirement savings, make sure you put your company plan to the test
WSJ.comBefore you stuff the bulk of your retirement savings in your 401(k), it's worth taking a close look under the hood.Some companies are tinkering with their retirement plans in ways that raise questions about whether a 401(k) is a worker's ...
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January 2, 2013401(k) Plans Hold Promise for Advisers in 2013
WSJ.comAs stocks keep swooping through changing market cycles, more advisers are reaching for relatively smoother waters in defined contribution retirement plans.
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December 27, 2012Advisers at Center of Changing 401(k) Landscape
WSJ.comMore investors are enlisting financial advisers to help them take full advantage of their employer-sponsored retirement plans.Businesses, too, are calling on planners to assist them in wading through what is becoming a complicated web of ...
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December 19, 2012Adding Value for 401(k) Clients
WSJ.comIn 2007, financial adviser Brian Heckert was looking for a way to differentiate his corporate 401(k) services from those provided by other advisers.
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November 16, 2012Your Paycheck or Your 401(k); Should Companies Deduct More From Workers' Salaries?
WSJ.comIs more of a good thing really better?By all accounts, company programs that automatically enroll new employees into 401(k) retirement plans have drastically increased the number of workers socking away money for the future.
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November 14, 2012Adviser Wins 401(k) Business with Lower Fees
WSJ.comA business owner recently came to see Jeff Vollmer with concerns about the 401(k) plan he'd created for his employees. His biggest complaint: The fees were far too high.
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November 12, 2012Merrill Rolls Out 401(k) Consulting Business
WSJ.comIn the recruiting wars playing out between the nation's top retail brokerages, Merrill Lynch is brandishing a new weapon.The brokerage arm of Bank of America Corp. (BAC) has begun offering defined contribution investment consulting services ...
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October 16, 2012
A price-cutting war in your 401(k)
MarketWatchFacing new cost-disclosure rules, some mutual funds are creating cheaper share classes for retirement plans.The jury is still out on Washington’s big effort to wring costs out of America’s 401(k) system by making the industry disclose those ...
Which IRA is best?
An overview of three IRA options
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How to Manage Your 401(k)
Understanding how to manage your 401(k), from contributions all the way to rollover, is a vastly important aspect of retirement savings.
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How to Invest for Retirement
Investing for retirement is more complicated than opening an IRA or maxing out your 401(k)
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How to Rollover a 401(k)
To get a clearer picture of your money, consolidating old workplace accounts to an IRA or your next employer plan makes a lot of sense.
