Retirement Rundown: Quarter 4
Master your money moves
Invest smart and catch up with confidence.
Watch a summary of what this course covers.
Learn how to build a balanced retirement portfolio, then explore practical ways to save more, whether you’re just getting started or working to catch up.
- Investing wisely5 keys to a balanced retirement portfolio
- Catch-up strategiesSaving more in your 50s, and why it’s not too late
2026 Retirement Education Series from HUB Retirement & Private Wealth
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Choose your path
Which stage of your career best describes you?
Everyone covers the same 2 lessons, with examples, benchmarks, and action steps tailored to your stage.
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Lesson 1 of 2
Investing wisely: 5 keys to a balanced retirement portfolio
Your path: Pre-retirement planner
Overview
Saving is only part of the picture. How you invest your savings shapes how much they can grow and how well they hold up when markets rise and fall. These 5 keys can help you build a portfolio that fits your timeline.
- 1Diversify
- 2Match your mix to your timeline
- 3Keep costs low
- 4Rebalance periodically
- 5Stay the course
What you’ll learn
- How diversification and asset allocation work together
- What age-based rules of thumb suggest when you have decades to invest
- Why small differences in fees can add up over a career
- How investing from every paycheck helps you stay consistent
With 30 or more years until retirement, you have time to ride out the market’s ups and downs. That’s why age-based guidelines generally suggest younger investors hold a larger share of stocks, which offer more growth potential along with more short-term volatility.
The choices you make now, including how much you save, how you invest, and what you pay in fees, can compound for decades.
A strong start doesn’t require a complicated portfolio. A diversified mix of broad, low-cost funds, or a single target-date fund matched to your expected retirement year, can cover the basics.
What matters most is investing consistently and giving your money time to grow.
What you’ll learn
- How to check whether your current mix still fits your timeline
- Why rebalancing matters more as your balance grows
- How fees add up on larger balances
- How to stay invested when headlines get loud
By now, you may have accounts with more than one employer, a mix of funds you chose years ago, and a balance large enough that small differences matter. A yearly check of your asset mix and fees can help keep your investments working toward your goal.
With 20 or more years until retirement, and possibly decades in retirement, growth remains important. The goal isn’t to avoid risk entirely, but to take an amount of risk that fits your timeline and your comfort with market swings.
What you’ll learn
- How to shift your mix gradually as retirement approaches
- Why many retirees still hold some stocks
- How rebalancing helps keep risk in check
- How to respond to market swings close to retirement
As retirement approaches, many investors gradually move toward more stable investments to help protect what they’ve built. The key word is gradually: a shift based on your timeline and your plan, not a sudden move after a market drop.
Retirement can last 30 years or more. That’s one reason some planners now start with 110 minus your age, rather than 100, when estimating a stock allocation. Keeping some growth potential can help your savings keep pace with inflation over a long retirement.
Keys 1 and 2
Diversify, then match your mix to your timeline
Diversifying means not putting all your eggs in one basket. A retirement portfolio typically spreads money across major asset classes: stocks for growth potential, bonds for stability and income, and sometimes cash. When one part of the market falls, another may hold steady or rise, which can soften the overall impact.1
It helps to diversify within each asset class, too. A broad index fund can hold hundreds or even thousands of companies, so trouble at any one of them has less effect on your savings than if you owned just a few individual stocks.
Diversification does not ensure a profit or protect against loss in a declining market.
Your asset allocation, meaning the balance between stocks and bonds, is one of the most important investment decisions you’ll make. A common starting point is the Rule of 100: subtract your age from 100 to estimate the percentage of your portfolio to hold in stocks. Because people are living longer, some planners use 110 instead.2
| Age | Rule of 100 | Rule of 110 |
|---|---|---|
| 30 | 70% stocks, 30% bonds | 80% stocks, 20% bonds |
| 40 | 60% stocks, 40% bonds | 70% stocks, 30% bonds |
| 50 | 50% stocks, 50% bonds | 60% stocks, 40% bonds |
| 60 | 40% stocks, 60% bonds | 50% stocks, 50% bonds |
| 70 | 30% stocks, 70% bonds | 40% stocks, 60% bonds |
Younger investors can generally take on more risk because they have time to recover from market dips. As you near retirement, shifting toward more stable investments can help preserve what you’ve saved.
These are rules of thumb, not recommendations. The right mix for you also depends on when you’ll need the money, your other sources of income, and your comfort with risk.
If you’re early in your career
With decades until retirement, you have time to recover from downturns, which is why age-based guidelines lean toward stocks. If big swings would tempt you to sell, a slightly more conservative mix you can stick with may serve you better than an aggressive one you abandon.
If you’re mid-career
Your mix has likely drifted since you first set it. Compare your current stock-and-bond split with your target, and consider how many years remain until you’ll start drawing on these savings.
If you’re nearing retirement
Shifting toward bonds and cash as retirement nears can reduce the impact of a downturn right when withdrawals begin. Many investors make this shift gradually over several years rather than all at once.
Keys 3 and 4
Keep costs low, then rebalance periodically
Fees and expenses come out of your returns every year, and over decades they add up. In an SEC illustration, a $100,000 portfolio growing 4% a year for 20 years ends up worth about $208,000 with a 0.25% annual fee, but about $179,000 with a 1.00% fee.3
Bars show growth above the $100,000 starting balance. Hypothetical illustration from the SEC; not representative of any specific investment.
Check the expense ratio of each fund in your 401(k) or IRA and compare similar options. Low-cost index funds and ETFs are one way many investors keep expenses down. Whatever you choose, favor a long-term strategy over chasing hot stocks or trendy sectors.
Markets move, and your mix moves with them. If stocks rise sharply, you could end up holding more stock, and more risk, than you intended. Rebalancing means trimming what has grown and adding to what has lagged so you return to your target mix. It builds in the discipline of selling some of what has risen and buying some of what has fallen.1
- On a schedule. Many investors rebalance once a year, or every 6 months.
- When your mix drifts. Others rebalance whenever an asset class moves more than a set amount from its target.
- With new contributions. Directing new money to the part of your portfolio that’s below target can rebalance gradually.
A target-date fund, such as a “2050 fund,” holds a diversified mix that automatically becomes more conservative as its target year approaches. In 2025, 84% of participants in Vanguard-administered plans used target-date funds when their plan offered them, and 61% held a single target-date fund.4
Target-date funds are generally designed to be used on their own. Combining one with other funds can change the overall mix it was built to provide.
The target date is the approximate year an investor expects to retire. A target-date fund’s mix shifts over time, and an investment in a target-date fund is not guaranteed at any time, including on or after the target date.
If you’re early in your career
If you’d rather not manage your mix yourself, a target-date fund that matches your expected retirement year can handle diversification and rebalancing for you.
If you’re mid-career
As your balance grows, fees and drift both matter more in dollar terms. Reviewing your mix at the same time each year can make rebalancing a habit.
If you’re nearing retirement
Rebalancing can keep your portfolio from carrying more stock risk than you intended right before retirement. If you use a target-date fund, check how its mix continues to change after its target year.
Key 5
Stay the course
Market volatility is part of investing. When headlines turn alarming, it can be tempting to move to cash and wait for calmer days. The challenge is that the market’s best and worst days often arrive close together. In the 20 years through 2024, 7 of the S&P 500’s 10 best days came within 2 weeks of its 10 worst days.5
Hypothetical growth of $10,000 invested in the S&P 500 from 2005 through 2024. Source: J.P. Morgan Asset Management. Indexes are unmanaged, do not reflect fees or expenses, and cannot be invested in directly. Past performance does not guarantee future results.
Investors’ own timing can also cost them. Morningstar estimated that the average dollar invested in U.S. mutual funds and ETFs earned about 1.2 percentage points a year less than the funds themselves over the 10 years ended 2025, a gap tied to the timing of purchases and sales.6
Investing a set amount on a regular schedule, known as dollar-cost averaging, means you automatically buy more shares when prices are lower and fewer when prices are higher. Contributing to your 401(k) from every paycheck works this way.
A planned change is different from a reaction. Gradually reducing risk as retirement approaches is part of a plan. Selling after a sharp drop is a reaction that can lock in losses and cause you to miss a recovery.
Dollar-cost averaging does not assure a profit or protect against loss in declining markets. Consider your ability to keep investing through periods of low prices.
If you’re early in your career
Downturns can work in your favor when you’re decades from retirement, because each contribution buys more shares at lower prices.
If you’re mid-career
Write down your target mix and your rebalancing rule now, while markets are calm. A plan made in advance is easier to follow when markets aren’t.
If you’re nearing retirement
Holding the next few years of planned withdrawals in more stable investments can make it easier to leave the rest of your portfolio invested through a downturn.
Your next steps
Your investing action plan
Small, steady steps now can make a big difference over a long career.
- Choose a diversified core. A mix of broad index funds, or a single target-date fund aligned with your expected retirement year, can handle diversification for you.
- Check your stock-and-bond mix. Compare it with what age-based rules of thumb suggest, then adjust for how you’d feel during a market drop.
- Look up your fees. Find the expense ratio for each fund you own and compare similar options in your plan.
- Automate your investing. Contribute from every paycheck, and consider raising your contribution rate by 1% each year.
- Set a yearly check-in. Pick a date to review your mix and rebalance, or to confirm your target-date fund still fits.
- Get personalized guidance. Talk to an advisor about building an investment strategy that fits your goals.
Your balance is growing, so a little maintenance can go a long way.
- Take inventory. List every retirement account you have, including plans from past employers and IRAs, and add up your overall stock-and-bond mix.
- Compare with your target. If your mix has drifted, consider rebalancing back to the allocation you chose.
- Review your fees. On a larger balance, a small difference in expenses can mean a meaningful dollar amount over time.
- Write down your plan. Record your target mix and when you’ll rebalance, so it’s easier to follow when markets get volatile.
- Keep contributing. Stay consistent through market ups and downs, and look for chances to raise your savings rate.
- Get personalized guidance. Talk to an advisor about reviewing your allocation and fees.
As retirement nears, the goal shifts toward balancing growth with protecting what you’ve built.
- Map your timeline. Estimate when you’ll start withdrawals and how much you may need in the first few years.
- Plan a gradual shift. Decide how and when you’ll move toward more stable investments, instead of reacting to market moves.
- Keep some growth. Consider how long your savings may need to last, which could be 30 years or more.
- Rebalance on a schedule. Return to your target mix at least once a year.
- Know how your funds change. If you use a target-date fund, review how its mix changes at and after its target year.
- Get personalized guidance. Talk to an advisor about stress-testing your plan before you retire.
Lesson 2 of 2
Catch-up strategies: saving more in your 50s, and why it’s not too late
Your path: Pre-retirement planner
Overview
Not everyone starts early or stays on track, and that’s okay. If you’re behind on retirement savings, there are concrete steps you can take. The tax rules even recognize this: once you turn 50, you can contribute more to many retirement accounts than younger savers can.
This lesson may be a little early for you
Catch-up strategies are designed for savers in their 50s and early 60s, so you may not need them for years. Here’s a one-page summary to keep in mind for the future, or to share with family members who are closer to retirement.
Catch-up strategies at a glance
- Higher limits after 50. In 2026, savers 50 and older can contribute up to $32,500 to a 401(k), or up to $35,750 at ages 60 to 63, and up to $8,600 to an IRA.8
- Milestones to check. Fidelity suggests saving about 6 times your salary by 50 and 8 times by 60.7
- Free up cash flow. Paying off high-interest debt, which averaged about 22% on credit cards in 2026, and redirecting those payments can boost savings. Downsizing can help, too.10
- Use retirement timing. Working 3 to 6 months longer can have about the same effect as saving 1% more of your pay for 30 years, and waiting to claim Social Security raises the monthly benefit.11, 12
- Know the rule for higher earners. If FICA wages from an employer topped $150,000 the prior year, catch-up contributions to that employer’s plan must be made as Roth contributions.9
What this means for you now
The easiest catch-up plan is the one you never need. In a hypothetical example, a saver aiming for $1 million by 67 would need about $441 a month starting at 25, but about $1,831 a month starting at 45. Capturing your full employer match and raising your savings rate a little each year can help keep you ahead.
Hypothetical example for illustrative purposes only. Assumes a 6% average annual return compounded monthly, deposits at the end of each month, and no taxes, fees, or withdrawals. It does not represent any specific investment, and actual results will vary.
What you’ll learn
- How to check your progress against savings milestones
- How catch-up contributions work once you turn 50
- Ways to free up cash flow in your peak earning years
- How working a little longer can strengthen your plan
Your 40s often bring peak earnings along with competing priorities, like housing and family costs. It’s a good decade to measure where you stand and raise your savings rate gradually, so you’re ready to make full use of catch-up contributions when you turn 50.
Each raise, bonus, or paid-off debt is a chance to send more to retirement before the money gets absorbed into everyday spending.
What you’ll learn
- How to assess where you stand compared with common milestones
- 2026 catch-up limits, including the higher limit for ages 60 to 63
- Ways to free up cash for saving, from paying off debt to downsizing
- How retirement timing and Social Security decisions can help close a gap
If you feel behind in your 50s or early 60s, you’re not alone, and you still have meaningful options. Higher contribution limits, fewer competing expenses for some households, and choices about when to retire can all work in your favor.
For many people, the years just before retirement are also their highest-earning years. Directing more of that income to tax-advantaged retirement accounts can make a real difference in a relatively short time.
Assess
See where you stand
A savings milestone can show how far you are from a goal and help you decide how aggressively to save. Fidelity’s guideline suggests saving about 1 times your salary by 30, 3 times by 40, 6 times by 50, 8 times by 60, and 10 times by 67.7
- 1×by age 30
- 3×by age 40
- 6×by age 50
- 8×by age 60
- 10×by age 67
For example, someone earning $100,000 might aim for about $600,000 by 50 and $800,000 by 60 to be on track to retire at 67.
Fidelity’s guideline assumes a 15% savings rate, retirement at 67, and planning through age 93. Your own target may be higher or lower depending on your plans.
Don’t panic, but do take action. Knowing the size of the gap can help you decide how much more to save, how long to work, or both.
- Add it up. Total your retirement accounts, including plans from past employers and IRAs.
- Find your multiple. Divide that total by your current salary.
- Compare. Check your multiple against the milestone for your age.
- Revisit each year. Update your estimate as your savings and income change.
If you’re early in your career
If you’re below 1 times your salary by 30, you’re not alone, and time is still on your side. Raising your savings rate now can help you avoid needing to catch up later.
If you’re mid-career
The jump from 3 times your salary at 40 to 6 times at 50 is steep. Checking your multiple now gives you a full decade to close the gap.
If you’re nearing retirement
Compare your multiple with the 6 times and 8 times milestones. The size of any gap can help you weigh how much to rely on catch-up contributions, working longer, or adjusting planned retirement spending.
Save more
Use higher contribution limits after 50
The IRS allows savers age 50 and older to contribute more to workplace retirement plans and IRAs than younger savers. These higher limits exist to help people make up ground, so they’re worth using if you can.8
| Account | Under 50 | Ages 50–59 and 64+ | Ages 60–63 |
|---|---|---|---|
| 401(k), 403(b), governmental 457(b) | $24,500 | $32,500 | $35,750 |
| Catch-up included above | None | $8,000 | $11,250 |
| Traditional or Roth IRA | $7,500 | $8,600 | $8,600 |
- Catch-up eligibility is based on your age at the end of the year. The higher limit for ages 60 to 63 applies in the years you turn 60, 61, 62, or 63.
- If you have a Health Savings Account, an extra $1,000 catch-up is available starting at age 55.13
- Limits generally rise with inflation, and the IRS typically announces the next year’s limits each fall.
Plan features vary. Check with your plan administrator about which catch-up options your plan offers.
Starting in 2026, if your FICA wages from your employer were more than $150,000 in the prior year, any catch-up contributions to that employer’s 401(k), 403(b), or governmental 457(b) plan must be made as Roth (after-tax) contributions. If the plan doesn’t offer a Roth option, you may not be able to make catch-up contributions to it.9
Roth contributions don’t lower your taxable income today, but qualified withdrawals in retirement can be tax-free. A tax professional can help you understand how this applies to you.
- Aim for the max if you can. Contributing the full amount, including catch-up, in your highest-earning years can boost your savings significantly.
- Raise your rate as expenses fall. If you can’t max out, increase your contribution percentage as much as your budget allows, especially as costs like tuition or a mortgage wind down.
- Use more than one account. Depending on your eligibility, an IRA and a Health Savings Account can add to what you save in a workplace plan.
If you’re early in your career
Catch-up contributions are decades away, but the standard limits leave plenty of room to grow. Contributing at least enough to receive your full employer match is a common first goal.
If you’re mid-career
You’ll be eligible for catch-up contributions starting in the year you turn 50. Building toward the standard maximum now can make that step up easier.
If you’re nearing retirement
If you turn 60, 61, 62, or 63 this year, you may be able to contribute up to $35,750 to your workplace plan in 2026. That higher limit ends in the year you turn 64, when the standard catch-up applies again.
Find the money
Free up cash flow for saving
The average interest rate on credit card accounts carrying a balance was about 22% in 2026, according to Federal Reserve data.10 Interest that high can easily outweigh the potential growth of your investments, which is why paying it off is often one of the most effective money moves you can make.
Clearing debt also frees up cash flow. If you pay off a loan with a $300 monthly payment, that $300 can go into your 401(k) or IRA instead.
Look for spending you can scale back while you catch up. If your children have moved out, a smaller home could cut maintenance, utility, and property costs, and any equity you free up could strengthen your retirement savings.
- Housing. Consider whether downsizing fits your plans and budget.
- Travel. Consider scaling back big trips until you’re back on track.
- Recurring bills. Review subscriptions and services at least once a year.
- Entertainment. Look for lower-cost ways to enjoy what you love.
Every dollar you free up can be put to work during these important saving years.
Selling a home involves transaction costs and possible tax considerations. Consider getting professional guidance before making a major housing decision.
If you’re early in your career
Avoiding high-interest debt and building an emergency fund can help protect your retirement savings from early withdrawals.
If you’re mid-career
As loans like car payments end, consider sending those payments straight to retirement savings before they’re absorbed into everyday spending.
If you’re nearing retirement
An empty nest or a paid-off mortgage can free up meaningful cash flow. Redirecting it to catch-up contributions can help you close a gap faster.
Use every lever
Timing, investments, and advice
Working longer can have a powerful effect on your retirement: you get more time to contribute and have fewer years to fund from savings. Research published by the National Bureau of Economic Research found that delaying retirement by 3 to 6 months had about the same effect on retirement standard of living as saving an extra 1% of pay for 30 years.11
If you don’t want to stay in your current job full time, part-time work or consulting in early retirement can reduce how much you draw from savings and may let you delay claiming Social Security.
If you were born in 1960 or later, your full retirement age is 67. Claiming at 62 permanently reduces your monthly benefit by 30%, while waiting until 70 increases it to 124% of your full benefit.12
Monthly benefit as a percentage of the full retirement age benefit, for people born in 1960 or later.
The right claiming age depends on your health, other income, and marital status. You can review your estimated benefits with a my Social Security account at ssa.gov.
When you’re behind, it can be tempting to take on a lot more risk to make up ground. Some people in their early 50s with a decade or more until retirement do choose a somewhat higher stock allocation, but with less time to recover from a downturn, it’s important not to overreach.
Make sure your portfolio is well diversified and balances growth potential with protecting what you’ve built as retirement nears.
This is a great time to work with a financial professional. An advisor can run retirement projections, identify gaps, and help you weigh options like delaying Social Security, using a Health Savings Account for medical costs, or whether income options such as annuities might fit your situation.
If you’re early in your career
You don’t need to pick a retirement date yet, but remembering that every extra year of saving helps can keep you motivated.
If you’re mid-career
Try modeling a few retirement ages, such as 65, 67, and 70, to see how each changes the savings you may need.
If you’re nearing retirement
Compare working 1 or 2 more years, full or part time, alongside your Social Security options. Even a short extension can make a meaningful difference.
Your next steps
Your catch-up action plan
The easiest catch-up plan is the one you never need. Here’s how to stay ahead.
- Capture your full employer match. It’s one of the most valuable features of a workplace plan.
- Raise your rate 1% a year. Many plans let you schedule automatic increases.
- Tackle high-interest debt. Paying down credit card balances frees up cash you can save instead.
- Build an emergency fund. Cash set aside can help you avoid tapping retirement savings early.
- Check your milestone. Compare your savings with about 1 times your salary by 30 and 3 times by 40.
- Get personalized guidance. Talk to an advisor about a savings plan that fits your budget.
Use this decade to build momentum, so you’re ready to step up at 50.
- Find your multiple. Divide your total retirement savings by your salary and compare it with the milestones for 40 and 50.
- Save more with every raise. Increase your contribution rate whenever your pay goes up.
- Mark the year you turn 50. That’s when catch-up contributions become available.
- Redirect freed-up payments. Send money from paid-off loans straight to retirement savings.
- Model a few retirement ages. See how retiring at 65, 67, or 70 changes what you may need.
- Get personalized guidance. Talk to an advisor about projecting your savings and closing any gap.
It’s never too late to improve your situation. Every extra dollar you save and invest now adds to your future security.
- Maximize your 2026 contributions. Up to $32,500 in a 401(k) at 50 or older, $35,750 if you’re 60 to 63, and up to $8,600 in an IRA.
- Check the Roth catch-up rule. If your 2025 FICA wages from your employer were more than $150,000, confirm your plan offers Roth catch-up contributions.
- Pay off high-interest debt. Then redirect those payments to retirement savings.
- Review spending and housing. Look for costs you can trim, and consider whether downsizing fits your plans.
- Weigh your timing. Compare working longer, full or part time, alongside your Social Security options.
- Get personalized guidance. Talk to an advisor about running retirement projections and a catch-up plan.
Course complete
You’ve completed Retirement Rundown Q4
You now have 5 keys for investing wisely and a set of strategies for catching up. The next step is making them personal.
This wraps up the 2026 Retirement Rundown series.
Sources and references
Figures and statistics in this course come from federal agencies, peer-reviewed research, and widely cited industry reports.
- [1]U.S. Securities and Exchange Commission. Beginners’ Guide to Asset Allocation, Diversification, and Rebalancing. Investor.gov. Retrieved from investor.govExplains how asset allocation and diversification can help manage risk, and describes schedule-based and threshold-based approaches to rebalancing.
- [2]SmartAsset. The Rule of 110. Retrieved from smartasset.comDescribes the Rule of 110 (110 minus your age as a stock percentage) and its variations, including the older Rule of 100. Rules of thumb only; not individualized recommendations.
- [3]U.S. Securities and Exchange Commission, Office of Investor Education and Advocacy. Investor Bulletin: How Fees and Expenses Affect Your Investment Portfolio. Retrieved from investor.govHypothetical $100,000 portfolio growing 4% a year for 20 years: about $208,000 with a 0.25% annual fee, $198,000 with 0.50%, and $179,000 with 1.00%.
- [4]Vanguard. (2026, June). How America Saves 2026. Retrieved from workplace.vanguard.com2025 data for Vanguard-administered defined contribution plans: 84% of participants used target-date funds when offered, 61% held a single target-date fund, and 96% of plans offered target-date funds.
- [5]J.P. Morgan Asset Management. Guide to Retirement (2025 edition). Retrieved from am.jpmorgan.comS&P 500 Total Return Index, Jan. 1, 2005, to Dec. 31, 2024: a hypothetical $10,000 fully invested grew to about $71,750; missing the 10 best days resulted in about $32,871. Seven of the 10 best days occurred within 2 weeks of the 10 worst days.
- [6]Morningstar. (2026). Mind the Gap 2026. Retrieved from morningstar.comEstimated that the average dollar invested in U.S. mutual funds and ETFs earned about 1.2 percentage points per year less than the funds’ aggregate total returns over the 10 years ended Dec. 31, 2025, a gap explained by the timing and size of investors’ purchases and sales.
- [7]Fidelity Investments. How much do I need to retire? Fidelity Viewpoints. Retrieved from fidelity.comSuggests saving at least 1× your salary by 30, 3× by 40, 6× by 50, 8× by 60, and 10× by 67. Assumes a 15% savings rate, 1.5% annual real wage growth, retirement at 67, and a planning age through 93.
- [8]Internal Revenue Service. (2025, November 13). 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500. Retrieved from irs.gov2026 limits: 401(k), 403(b), and governmental 457 deferrals $24,500; age 50+ catch-up $8,000; ages 60–63 catch-up $11,250; IRA $7,500; IRA catch-up at 50+ $1,100.
- [9]U.S. Department of the Treasury and Internal Revenue Service. (2025, September). Final regulations on catch-up contributions (T.D. 10033), as summarized by CAPTRUST. Retrieved from captrust.comBeginning January 1, 2026, participants whose prior-year FICA wages from the employer sponsoring the plan exceed $150,000 must make catch-up contributions on a Roth basis. Plans without a Roth option cannot accept catch-up contributions from these participants.
- [10]Board of Governors of the Federal Reserve System. Consumer Credit (G.19): Commercial bank interest rate on credit card plans, accounts assessed interest (FRED series TERMCBCCINTNS). Retrieved from fred.stlouisfed.org22.15% in May 2026.
- [11]Bronshtein, G., Scott, J., Shoven, J. B., & Slavov, S. N. (2018). The Power of Working Longer. NBER Working Paper No. 24226. Retrieved from nber.orgFound that delaying retirement by 3 to 6 months has the same impact on retirement standard of living as saving an additional 1 percentage point of earnings for 30 years.
- [12]Social Security Administration. Retirement Benefits. Retrieved from ssa.govFor people born in 1960 or later, full retirement age is 67. Claiming at 62 reduces the monthly benefit by 30%; delayed retirement credits raise it to 124% at 70.
- [13]Internal Revenue Service. Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans. Retrieved from irs.govHSA-eligible individuals age 55 or older can make an additional $1,000 catch-up contribution.
Important information. Investing involves risk, including possible loss of principal. Diversification and asset allocation do not ensure a profit or protect against loss in declining markets. Dollar-cost averaging does not assure a profit or protect against loss, and investors should consider their ability to continue investing through periods of low prices. Hypothetical examples are for illustrative purposes only, do not represent any specific investment, and do not reflect taxes, fees, or expenses unless noted. Index returns are shown for illustration only; indexes are unmanaged and cannot be invested in directly. Past performance does not guarantee future results. Contribution limits shown are for 2026 and are subject to annual IRS adjustment.
HUB Retirement & Private Wealth · 2026 Retirement Education Series
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