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This article compares Solo 401(k) and SEP IRA retirement plans. It discusses the pros and cons of both plans.
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For individuals with multiple income streams, such as physicians, small business owners, startup founders, entrepreneurs, and consultants in tech or other fields, it’s possible to exceed the IRS’s annual limit for tax-deferred retirement savings ($69,000 for 2024 and $70,000 for 2025).
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Retiring at the peak of a bull market or right after a bear market can significantly impact your retirement finances.
Save & invest consistently, dollar-cost average your way to be a 401k millionaire.
Introducing Save More, Invest Wise Newsletter that focuses on retirement savings, retirement investments, etirement planning, personal finance topics such as debts and spending, and tools.
We examine the 401(k) retirement plans from several savvy investment and financial service companies. In particular, we look at their investment options offered in the plans and discuss some of the funds briefly.
We discuss the pros and cons of 401(k) brokerage link accounts
We discuss how to utilize our newly upgraded free comparison tool to better evaluate and compare ETFs, mutual funds and portfolios using rolling returns
We review the latest data for safe retirement withdrawal strategies such as the 4% rule. We also introduce the new retirement withdrawal calculator
We claim that IRAs in a brokerage now offers better and cheaper investment choices than a typical 401(k) plan.
High yield bonds, managed correctly, can be a valuable addition to boost fixed income returns.
Cadence Design Systems 401(k) provides some good investment options in US stocks, international stocks and bonds. However, it lacks of exposure to REITs and emerging market stocks. Its fund expenses are low.