2026 Contribution Limits
| Type | Limit |
|---|---|
| Employee contribution | $24,500 |
| Catch-up (50+) | +$8,000 |
| Higher catch-up (ages 60-63) | +$11,250 |
| Total annual additions (employee + employer) | $72,000 |
- Contribute to get full employer match (free money)
- Max out IRA ($7,500)
- Return to max 401k
- HSA if eligible
Investment Choices
Simple approach:
- Target date fund (set and forget)
- Matches your retirement year
- 70-90% stocks (younger = more)
- 10-30% bonds
- Rebalance annually
- Company stock (>10%)
- High-fee funds (>1%)