Finance | James' World 2

Big changes are coming to your 401(k). Here’s what you need to know

April 20, 2022

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The United States is on the brink of a retirement crisis. The primary savings tool for Americans — your 401(k) — isn’t helping.

By the end of the decade, about 21% of the country’s population will be 65 or older, up from 15% in 2016, according to forecasts by the Census Bureau. Most non-retired adults have some type of retirement savings, but only 36% think their savings are on track.

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Now, Congress is looking to help Americans save by bolstering 401(k) programs — the tax-deferred, company-sponsored retirement accounts to which employees can contribute income, and employers can match their contributions.

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A new bill, expected to reach President Joe Biden’s desk by the end of the year, could require most employer-sponsored retirement plans to enroll their workers automatically, making it easier for student-loan borrowers to save, and for older workers to make catch-up contributions. It will also lower costs for smaller businesses.

Should I invest if I have debt? A financial coach shares her advice

Click the link below for the article:

https://www.cnn.com/2022/04/06/investing/retirement-savings-401k-investing-roth-ira

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