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7 Retirement Accounts You Should Know About

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A curated guide to the seven most important retirement accounts — from traditional and Roth IRAs to 401ks, pensions, and the HSA — with expert sources on contribution limits, tax rules, and strategies.

Best Retirement Plans - NerdWallet Best Retirement Plans - NerdWallet
The best retirement plans include 401(k)s, 403(b)s, 457(b)s, TSPs, IRAs, Solo 401(k)s, SEP IRAs, SIMPLE IRAs, pensions, annuities and cash balance ...
www.nerdwallet.com
9 types of retirement plans and accounts | Fidelity 9 types of retirement plans and accounts | Fidelity
These 9 retirement plans and accounts can help you save more for retirement. Here’s what you need to know.
www.fidelity.com
Retirement Planning: A 5-Step Guide for 2026 - NerdWallet Retirement Planning: A 5-Step Guide for 2026 - NerdWallet
The 5 steps of retirement planning are knowing when to start, calculating how much money you'll need, setting priorities, choosing accounts and pic...
www.nerdwallet.com
How to save for retirement in 7 steps - NerdWallet How to save for retirement in 7 steps - NerdWallet
The steps for how to save for retirement are: know your number, pick an account, contribute strategically, invest well, be consistent and plan for ...
www.nerdwallet.com
New 2026 Tax Change Could Mean More for Your IRA and 401(k) Savings New 2026 Tax Change Could Mean More for Your IRA and 401(k) Savings
Here's how the new IRS inflation adjustments are increasing the contribution limits for your 401(k) and IRA in the new year.
www.kiplinger.com

Traditional IRA

What is a traditional IRA and how does it work? What is a traditional IRA and how does it work?
Learn what a traditional IRA is and how it works — including eligibility, withdrawal rules, 2026 contribution and deduction limits, and comparisons...
Empower
IRA Contribution Rules Explained for 2026 IRA Contribution Rules Explained for 2026
Learn the IRA contribution rules for 2025 and 2026, including eligibility requirements, earned income guidelines, Traditional and Roth IRA MAGI lim...
www.stratatrust.com
Individual Retirement Account (IRA): Types, How It Works - NerdWallet Individual Retirement Account (IRA): Types, How It Works - NerdWallet
If you're ready to start investing for retirement, an IRA may be one of the best tools out there to maximize your money and minimize your tax burden.
www.nerdwallet.com
Required minimum distributions (RMDs) | Rules and strategies | Fidelity Required minimum distributions (RMDs) | Rules and strategies | Fidelity
You have retirement savings, and now it's time to dip into those savings. Learn about your options for required minimum distributions and how plann...
www.fidelity.com
I Absolutely Prefer a Traditional IRA to a Roth IRA for Retirement Savings. Here's Why. | The Motley Fool I Absolutely Prefer a Traditional IRA to a Roth IRA for Retirement Savings. Here's Why. | The Motley Fool
Paying taxes now with the promise of not owing them later sounds savvy on the surface, but there's more to the matter.
www.fool.com

Roth IRA

Roth IRA Five-Year Rule: When Withdrawals Are Tax-Free Roth IRA Five-Year Rule: When Withdrawals Are Tax-Free
The Roth IRA five-year rule was set by the IRS so that one could not skirt the distribution benefits of the plan; learn how to properly navigate them.
www.irafinancial.com
Pro Rata Rule on Roth IRA Conversions Pro Rata Rule on Roth IRA Conversions
Roth IRA conversions can build tax-free retirement income, but the pro rata rule can create surprises. Here’s what to know and how to plan wisely.
www.thrivent.com
Roth IRA Income Limits for 2026 Roth IRA Income Limits for 2026
To contribute to a Roth IRA (and score those sweet tax advantages), you have to fall within the income limits set by the IRS. Here are the Roth IRA...
www.fidelity.com
Roth IRA Contribution Limits for 2026 Roth IRA Contribution Limits for 2026
Roth IRAs allow you to save for retirement with after-tax dollars while you're working, and then withdraw those contributions and earnings tax-free...
www.kiplinger.com
Roth IRAs: What They Are and How They Work Roth IRAs: What They Are and How They Work
Roth IRAs are individual retirement accounts that allow tax-free investment growth and distributions.
www.kiplinger.com
Roth IRA vs. Traditional IRA -- Which One Is Actually Right for You? | The Motley Fool Roth IRA vs. Traditional IRA -- Which One Is Actually Right for You? | The Motley Fool
Stop guessing and use this simple framework.
www.fool.com
Choosing Between a Traditional and Roth IRA? Check This Comparison of the Two. | The Motley Fool Choosing Between a Traditional and Roth IRA? Check This Comparison of the Two. | The Motley Fool
Choosing Between a Traditional and Roth IRA? Check This Comparison of the Two.
www.fool.com

401(k) Plans

The Ins and Outs of a 401k The Ins and Outs of a 401k
What is a 401k? It’s a retirement savings plan offered by your employer. Here’s what you should to know about 401ks, including 401k contribution li...
SoFi
Catch-Up Contributions Explained: New Roth Rules Starting in 2026 Catch-Up Contributions Explained: New Roth Rules Starting in 2026
As of 2026, high earners must make 401(k) catch-up contributions as Roth contributions. Learn what this SECURE 2.0 change means for you.
www.betterment.com
401(k) Plan: What It Is and How It Works - NerdWallet 401(k) Plan: What It Is and How It Works - NerdWallet
A 401(k) plan is retirement account into which employees contribute part of their pay. There are tax advantages, and employers often match the cont...
www.nerdwallet.com
401(k) benefits | 401(k) tax benefits | Fidelity 401(k) benefits | 401(k) tax benefits | Fidelity
Discover 8 401(k) benefits that could help boost retirement savings, reduce taxes, and maximize employer contributions.
www.fidelity.com
Common 401(k) Mistakes to Avoid When You Leave a Job | The Motley Fool Common 401(k) Mistakes to Avoid When You Leave a Job | The Motley Fool
Don't let a job change derail your retirement plans.
www.fool.com

SEP IRA & Solo 401(k)

What is a SEP IRA and how does it work? | Fidelity What is a SEP IRA and how does it work? | Fidelity
A SEP IRA is a retirement plan designed for small businesses and the self-employed. Learn the benefits of SEP IRAs and how to set up a SEP IRA for ...
www.fidelity.com
SEP IRA contribution limits for 2025 and 2026 | Fidelity SEP IRA contribution limits for 2025 and 2026 | Fidelity
Here's how much you can contribute to your SEP IRA in 2025 and 2026.
www.fidelity.com
What is a SEP-IRA - Complete Guide | SmartAsset.com What is a SEP-IRA - Complete Guide | SmartAsset.com
Less famous than the Traditional or Roth IRA, the SEP-IRA is designed for self-employed people and small business owners.
smartasset.com
5 Surprising Ways Your Employer Controls Your 401(k) | The Motley Fool 5 Surprising Ways Your Employer Controls Your 401(k) | The Motley Fool
When your employer is running the plan, you have to play by its rules.
www.fool.com
Traditional IRA vs. Roth IRA: Which Is the Right Choice for You? | The Motley Fool Traditional IRA vs. Roth IRA: Which Is the Right Choice for You? | The Motley Fool
Your current tax bracket should help guide your decision.
www.fool.com

403(b) & 457(b) Plans

403(b) vs. 457(b): What's the difference? 403(b) vs. 457(b): What's the difference?
Learn the differences between 403(b) and 457(b) plans, including 2026 contribution limits, catch-up rules, early withdrawals, and employer contribu...
Empower
403(b) vs 457(b) Plans: Key Differences Explained 403(b) vs 457(b) Plans: Key Differences Explained
Discover the key differences between 403(b) vs 457(b) retirement plans. Learn which plan maximizes your savings and fits your career path.
westernsouthern.com
403(b) Contribution Limits for 2026 403(b) Contribution Limits for 2026
403(b) contribution limits for 2026 increased by $1,000 from 2025. That's good news for teachers and other nonprofit workers.
www.kiplinger.com
What is a 457(b) plan | Fidelity What is a 457(b) plan | Fidelity
457(b) plans are tax-advantaged employer-sponsored retirement plans offered to some government employees, as well as employees of certain tax-exemp...
www.fidelity.com
Pros and Cons of 403(b) Plans Pros and Cons of 403(b) Plans
Employees may be able to make extra catch-up contributions with 403(b) plans, but fees can be high.
www.kiplinger.com

Pension Plans & Defined Benefit

How does a pension work? | Fidelity How does a pension work? | Fidelity
Learn more about how a pension works plus key dates and rules to know if you’re retiring soon.
www.fidelity.com
Lump sum payment or monthly pension? | Fidelity Lump sum payment or monthly pension? | Fidelity
Should you take a lump sum payment or hold on to your pension? This article weighs the pros and cons of both options.
www.fidelity.com
States That Don't Tax Pension Income in 2026 States That Don't Tax Pension Income in 2026
Over a dozen states don't tax pension income regardless of your age or how much money you have.
www.kiplinger.com
Making sense of RMDs - Fidelity Making sense of RMDs - Fidelity
Understand what RMDs are, how they're calculated, and how Fidelity can help you manage your RMDs.
www.fidelity.com
How do I calculate my required minimum distribution? How do I calculate my required minimum distribution?
The deadline is fast approaching for RMDs. Understand your options for required retirement plan withdrawals.
www.fidelity.com

HSA as a Retirement Tool

90% of HSA Savers May Be Making a Huge Mistake 90% of HSA Savers May Be Making a Huge Mistake
Key PointsHSAs let you set aside money for healthcare expenses in a tax-advantaged fashion.
www.nasdaq.com
HSA After 65: What Seniors Should Know HSA After 65: What Seniors Should Know
What happens to your HSA after 65? Understand Medicare timing, contribution rules, tax-free uses, and penalty-free withdrawals to keep your health ...
www.truemed.com
HSA: Potential Triple Tax Advantage in Retirement HSA: Potential Triple Tax Advantage in Retirement
Health savings accounts (HSAs) can offer tax benefits and help you cover what may be your largest expense in retirement: health care.
www.morganstanley.com
How to Use Your Health Savings Account in Retirement How to Use Your Health Savings Account in Retirement
Strategic saving and investing of HSA funds during your working years can unlock the full potential of these accounts to cover healthcare costs and...
www.kiplinger.com
Health Savings Account Pros and Cons | Bankrate Health Savings Account Pros and Cons | Bankrate
HSA funds roll over from year to year allowing unspent funds to accumulate and can add peace of mind for defraying future medical costs.
www.bankrate.com