Historical Year-by-Year Annual 401(k) Contribution Limits
Year-by-Year Annual 401(k) Contribution Limits since 1978. Also we include CPI inflation increase as a reference
Year-by-Year Income Levels in the U.S.
Year-by-Year Income Levels for Low, Middle and Upper Income Tiers in the U.S. since 1977
Realistic Reference Data on Retirement Savings by Age in 2025
A realistic accumulated savings figures by age in 2025 for various income level people.
Navigating the ExxonMobil Savings Plan: A Guide to Low-Cost Index Investing
ExxonMobil Savings Plan has simplest investment options lineup. Yet their expenses are extremely low, in fact the lowest among all.
Cadence Design Systems Inc. 401(k): A Plan with Low-Cost Target Date and Index Funds
Cadence Design Systems 401(k) Plan includes mainly ultra low-cost target date and index funds. We show these are good enough for its participants, experienced or novice.
Warren Buffett’s Phenomenal Run: The Oracle May Retire, But His Legacy Endures
In this issue:
- Latest in Retirement Savings & Personal Finance: Social Security Early Claims Surge, Student Loan Collection Resumed, …
- Warren Buffett’s Phenomenal Run: The Oracle May Retire, But His Legacy Endures
- Tools & Tips: Rolling Return Calculator
- Market Overview
May 2025 MyPlanIQ Portfolio Update
In this issue:
- Major Asset Trends Review: International Stocks Shined and TIPS Disappointed
- Fund Analysis: All Weather Fund ALLW and CLO ETF JBBB Follow up
- Economic & Market Indicators
- Model Portfolios
- Funds to Watch
- Market Overview
One Fund Does It All
In this issue:
- Latest in Retirement Savings & Personal Finance: US Food & Engergy Inflation Charts, Empty Shelfs Coming? Part-time Contractors Rejoin on 401(k) Eligibility
- One Fund Does It All: Savings & Investing in 401(k) Might Not Be That Intimidating
- Tools & Tips: Retirement Spending Calculator
- Market Overview
Target Date Funds for Young Professionals
We review top 9 popular target date funds for young professionnals. We look at their stock/bond allocations and recent returns.
Top 10 Target Date Fund Providers for Retirement Investing
Target date funds are becoming more and more popular. We review the top 10 target date fund providers and discuss index-based and actively-manged.
The One-Fund 401(k) Portfolio: Simple Yet Does Its Job
One-fund portfolio, either a target-date fund or just a balance index fund, does a good job for retirement plan investors who have little experience or who don’t want to mess around.
Roth IRAs for Retirees
Roth IRAs can be very useful for retirees in terms of medicare premiums, estate planning and other benefits.
Lazy Portfolios Aren’t Lazy in Growing Wealth
In this issue:
- Latest in Retirement Savings & Personal Finance: Golden Rule and The Roth IRA Evangelist
- Lazy Portfolios Aren’t Lazy in Growing Wealth
- Tools & Tips: Investment Arithmetic
- Market Overview
Lazy Portfolios in Different Market Conditions
Understanding how lazy portfolios perform under different circumstances and concepts like maximum drawdown , rolling returns , and asset allocatio can help you navigate through various market cycles.
Tax-Efficient Lazy Portfolios
Lazy portfolio tax strategy can help to enhance after-tax returns for taxable investment accounts. While tax-deferred accounts like IRAs or 401(k)s eliminate immediate tax concerns, taxable accounts require careful consideration of tax efficiency to maximize long-term wealth accumulation.
Lazy Portfolios for Retirement Investing
For retirement investors, lazy portfolios can serve as a good tool for their IRAs, 401(k) and taxable investment accounts. This article discusses how to utilize lazy portfolios for these retirement investing accounts.
How to Implement a Lazy Portfolio
Implementing a lazy portfolio doesn’t require advanced knowledge or constant attention. Whether you choose mutual funds or ETFs, rebalance annually or less frequently, or tweak allocations based on changing needs, the principles remain the same: keep costs low, stay diversified, and let time work in your favor.
What Are Lazy Portfolios?
Investing can be intimidating. It’s a complex and time-consuming endeavor. This is especially true for beginners. , Lazy portfolios offer an appealing solution for this group of people. A lazy portfolio is a straightforward investment strategy designed to require minimal effort and oversight while aiming to deliver solid long-term returns.
IRAs as One of the Emergency Fund Sources
In this issue:
- Latest in Retirement Savings & Personal Finance: Back-and-forth Tariff Policies, Stock Market Swings, and Low Retirement Savings Rates
- IRAs as One of the Emergency Fund Sources
- The Gotcha in Maximum Solo 401(k) or SEP IRA Contribution Limits
- Market Overview
How to Borrow From an IRA?
There are several ways to take money out for short-term emergency purposes. This article explores some of those options.