A solo 401(k) stacks employee deferrals and employer profit sharing on the same self-employment income

Popularity Index: 8 Updated at 2026-10-23 08:22 UTC

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Changing jobs mid-year can leave you running two 401(k) accounts and paying two sets of recordkeeping fees The IRA limit is per person so a spouse with no earned income needs a spousal IRA to contribute at all A 401(k) loan is repaid with after-tax dollars into an account that will be taxed again on withdrawal Plan fees are two separate numbers: recordkeeping charges taken from the account and the expense ratios inside each fund The annual additions limit counts employer match and after-tax money so the headline deferral cap is not the real ceiling Backdoor Roth contributions are legal but the pro-rata rule taxes the conversion if you still hold a traditional IRA Why the elective deferral limit applies only to your own contributions and never to the employer match Required minimum distributions now begin at 73 and a Roth 401(k) no longer forces them at all Auto-escalation raises the deferral rate one point a year and most participants never revisit the setting A traditional IRA deduction phases out once you have a workplace plan and cross the income threshold

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