Changes to IRAs and 401(k)s in 2025 may help you save more for retirement, but you've got to be alert. It's always a good idea to check once a year to see if any new rules or changes are coming to Individual Retirement Accounts (IRAs) and 401(k) accounts. That means keeping track of modifications to existing rules, such as raising contribution limits or updating the requirements for withdrawing money from your retirement accounts.
So, what's on the horizon? The SECURE 2.0 Act contained several changes to retirement plans that are being phased in over several years. These rules apply to traditional IRAs, Roth IRAs and 401(k)s; familiarizing yourself with them can help you save more money for retirement and avoid penalties.
