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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

401(k) Required Minimum Distributions (RMDs) now start at age 72

In exchange for all of the tax advantages 401(k)s provided during your accumulation years, by law, you will need to start taking distributions from your account when you turn 72.

SECURE Act 2.0: What it means for 401(k) Plans

SECURE Act 2.0 expands retirement plan coverage and makes it easier for employers to offer retirement plan benefits.

A Guide to Safe Harbor 401(k) Plans

Stress less by setting up a Safe Harbor 401(k). You can bypass some of the tests and focus on helping your employees save for their financial futures.

Recent Articles

What Employers Should Know About Timing of 401(k) Contributions

One of the most important aspects of plan administration is making sure money is deposited in a timely manner—to ensure that employer contributions are tax-deductible and employee contributions are in compliance.

Helping Employees Set Up a Financial Safety Net

Employers are looking for ways to help their employees save for unexpected financial emergencies. Betterment’s 401(k) platform can help.

Did Your 401(k) Plan Fail Its Compliance Test?

After another busy 401(k) compliance season, we sat down with Mikang Kim, Senior 401(k) Compliance Manager at Betterment, to get her perspective on plan failures: why they happen, what a plan sponsor can do about them, and how to decrease the likelihood of failing going forward.

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.

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.