Amanda Otter three-year hunt to recover more than $50,000 in missing 401(k) money shows the risks in some small retirement plans. https://t.co/eclQzZoHHs https://t.co/GvaypGJIa8 ...

For nearly a decade, Lena assumed a piece of every paycheck went into her 401(k). However, when she checked her company’s retirement portal, she noticed something was seriously off. There wasn’t nearly as much money in her 401(k) to account for her time at the company and the market’s growth. As she double-checked statements and details in her profile, Lena realized what was at the root of the problem: There was a typo on her birth date. Apparently, when Lena was hired some ten years ago, it appeared tha ...

Retirement Plan Risks - Small retirement plans may pose risks to participants [1] - A woman's experience highlights the potential for missing 401(k) money, amounting to over $50,000 [1]

Workers can buy annuities through their 401(k)s, but many don’t. There is a way to change that. https://t.co/lDMoeeeklg ...

Core Points - The Federal Reserve began raising interest rates aggressively in March 2022, reaching a peak of 5.25% to 5.5% by mid-2023, before starting to cut rates in late 2024 due to a stalling job market [1] - Changes in interest rate benchmarks have widespread effects on the economy, influencing businesses, mortgages, prices, and markets, which is crucial for individuals planning for retirement [2] - The Federal Reserve's decisions aim to stabilize inflation and maximize employment, impacting individual investors differently [3] Interest Rate Changes - The Federal Reserve uses data and analysis to determine the best course for the U.S. economy, adjusting benchmark interest rates that affect bank lending [4] - Raising the target interest rate makes borrowing more expensive, which can help control inflation, while cutting rates makes borrowing cheaper to stimulate economic growth [4] Economic Impact - Lower interest rates benefit businesses and consumers by making loans cheaper, encouraging spending and investment, but reduce the attractiveness of saving [5] - As borrowing costs decrease, businesses are more likely to pursue new ventures, and individuals find it easier to take on mortgages or car loans [5] Retirement Accounts - Rate cuts can positively impact stock investments within retirement accounts, as lower borrowing costs for businesses and increased consumer spending typically lead to rising equity prices [7]

Forgotten 401(k)s are a silent threat to your financial security, but they don’t have to be. By understanding the costs of inaction—high fees, stagnant returns, and lost growth—you can take charge of your retirement savings. https://t.co/yUjCLeWkjs https://t.co/iERsQHN5De ...

Regulatory Landscape - Congressman Troy Downing introduces bill to codify Trump's executive order [1] - The bill allows cryptocurrencies and alternative assets to be included in 401(k) retirement accounts [1] Market Impact - The bill potentially expands investment options within 401(k) retirement accounts to include cryptocurrencies and alternative assets [1]

JUST IN: 🇺🇸 Congressman Troy Downing to introduce bill that would cement President Trump's executive order allowing #Bitcoin in 401(k)s into law 👀 https://t.co/egTr4wNnJo ...

RT Adam Livingston (@AdamBLiv)People don’t like hearing this, but putting money your 401(k) just to get the employer match is stupid.Most people don’t realize their 401(k) “match” is just a leash.“Free money” sounds nice until you realize it’s denominated in melting ice cubes and you can’t touch it for 30 years.They’ll say:“But you get a 100% match!”Okay. Let me give you an example.Assumptions:Salary: $80,000/yearYou contribute 5% ($4,000), employer matches $4,000 → total $8,000/yearMatch stays in S&P 500 e ...

Wall Street is angling to put private assets into retirement plans, but only 10% of 401(k) investors are dissatisfied with their current offerings, according to a Harris Poll survey on behalf of WSJ https://t.co/P2T5yQRzb9 ...