Instructions: Copy and paste either version below into your own email or internal communication tool. Be sure to edit the fields in brackets. If your plan includes an employer match, you can add the optional match line.

Long Version (best for email)

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Subject Line: Consider increasing your 401(k) contributions

Hey team,

If you're already contributing to your 401(k), nice work—you're already building toward a stronger financial future. Now's a good time to see if there's room to bump your rate up.

Experts typically recommend contributing between 10–15% of your income toward retirement. If that feels out of reach right now, don't underestimate the small stuff, thanks to compound growth, even bumping your rate up by 1% can make a real difference over time.

Ready to put more of your money to work? Log in to your Betterment account and increase your contribution rate. You can watch this demo video for a quick walkthrough.

And if you want more guidance first, read Betterment's guide on how to pick a 401(k) contribution rate.

[Optional for plans with a match: Make sure you're also contributing enough to receive the full employer match—{insert match formula}.]

Every dollar counts—thanks for investing in your future!

Have a great day!
[Employer Name]



Short Version (for Slack, Teams, or other company communication)

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Hey team,

Already contributing to your 401(k)? A small increase now can add up in a big way later.

Experts typically recommend contributing 10–15% toward retirement, but thanks to compound growth, even bumping your rate up by 1% can make a real difference over time.

[Optional for plans with a match: Make sure you're also contributing enough to receive the full employer match—{insert match formula}.]

Read more about how to pick a contribution rate, or log in now to increase your contribution rate.

Have a great day!