A plan menu stays short because the sponsor owes a fiduciary duty of prudence and not because choice is worthless

GoogleA plan menu stays… QuoraA plan menu stays… XA plan menu stays… FacebookA plan menu stays… YouTubeA plan menu stays… TikTokA plan menu stays… RedditA plan menu stays… BingA plan menu stays…

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The annual additions limit counts employer match and after-tax money so the headline deferral cap is not the real ceiling A safe harbor design buys exemption from the testing rules by promising a minimum employer contribution every year Why the elective deferral limit applies only to your own contributions and never to the employer match Auto-escalation raises the deferral rate one point a year and most participants never revisit the setting Planning backwards from a pension start date changes the whole withdrawal sequence Nondiscrimination testing can hand highly paid staff a taxable refund of money they already deferred What Is Retirement Planning? Most retirement plans start with how much you can save instead of how much you want to spend Changing jobs mid-year can leave you running two 401(k) accounts and paying two sets of recordkeeping fees The retirement spending smile: expenses dip through the early seventies and climb again after eighty