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401(k) Challenges

401(k)s can be unexpectedly complex. Many 401(k) plans expect participants to choose investments, distinguish between funds, and select strategic savings rates. In short, if you feel confused by your plan, you're not alone. Learn to be a better 401(k) investor here.

Featured Articles

Advisor Insights

We recently sat down with the VP & Partner at Lewer Financial Advisors to understand more about his firm, his 401(k) practice, and how he came to work with Betterment.

The Small Business Guide to the 401(k) Match

Choosing which benefit packages to offer your employees is a big decision. Let us guide you through the benefits of 401(k)s and matching contributions.

Rolling Over Your 401(k)

Have 401(k)s from old jobs lying around? Moving them to Betterment means a common approach for all of your retirement savings. Plus, we make rolling over simple and easy—whether to your 401(k) account or a Betterment IRA.

Recent Articles

Related Companies and Controlled Groups: What this means for 401(k) plans

When companies are related, how to administer 401(k) plans will depend on the exact relationship between companies and whether or not a controlled group is deemed to exist.

A Business Owner’s Guide to Employee Financial Wellness

If employees are stressed about their finances, it can have a negative impact on their work performance and on your company as a whole.

ESG Investments in 401(k) Plans: The DOL Final Rule

Final Rule shifts focus to accommodate growing participant interest in ESG investing.

Financial Wellness Begins with a Great 401(k) Plan

Adding a 401(k) plan—or improving the plan you currently offer—can dramatically improve the financial wellness of your workforce.

What to Consider When Choosing a 401(k) Plan Recordkeeper

Selecting the right recordkeeper is important to the success of your 401(k) plan.

What is the maximum 401(k) contribution?

The IRS recently announced the 2021 401(k) and IRA contribution limits.

SECURE Act: Eligibility Requirement Changes for Part-Timers

The SECURE Act of 2019 seeks to expand retirement plan coverage for U.S. workers. One of the Act’s provisions changes 401(k) eligibility requirements for part-time employees.

How Does a Multiple Employer Plan Compare to a Single Employer 401(k) Plan?

Are MEPs and PEPs the new solution for workplace retirement savings or should I pick my own 401(k) plan?

The Importance and Benefits of Offering Employer Match

Some employees resist saving because they feel retirement is too far away, can’t afford it, or can’t grasp the benefit. You can help change that mentality by offering a 401(k) employer match.

How Do State-Based Plans Stack Up Against 401(k) Plans?

State-mandated retirement plans increase worker access to workplace savings programs, but they may not be the best fit for employees or employers.

See details and disclosure for Betterment's articles and FAQs.