7 Most Effective Retirement Planning Moves of 2025 You Should Take Into 2026

Core Insights - Retirement savers are advised to build on successful strategies rather than starting anew each year, especially after a tumultuous 2025 marked by various economic challenges [1] Group 1: Effective Retirement Strategies - Automating Roth IRA conversions during market dips has proven beneficial, allowing for tax-free growth at lower valuations, which should continue into 2026 [3] - Individuals aged 50 and older can make catch-up contributions of an additional $7,500 to retirement plans, providing immediate tax savings and long-term compounding benefits before potential rule changes in 2026 [4] - Delaying Social Security claims until age 70 can significantly enhance retirement income, but careful consideration of tax implications is necessary to avoid higher tax brackets [5][6] - Investors are encouraged to rebalance and reassess their portfolios to ensure diversification and alignment with market conditions as they enter 2026 [7]