Latest News
Americans Are Saving More Than Ever for Retirement — So Why Are 401(k) Balances Shrinking?
Despite record-high 401(k) contributions, many Americans are seeing their retirement balances shrink in 2025 due to market volatility, inflation, and misallocated investments. This comprehensive guide explains the reasons behind the decline, offers practical solutions, and outlines expert strategies to help you grow and protect your 401(k). Learn how to optimize your retirement savings and make smart decisions no matter where you are in your career.
Your 401(k) Might Be Down; But New Data Shows Savers Aren’t Backing Off
Despite a 3% drop in the average 401(k) balance in early 2025, Americans are continuing to contribute at record levels. With a 14.3% combined savings rate, workers show resilience and commitment to long-term retirement goals, highlighting the importance of staying the course in volatile markets.
Your 401(k) Crypto Dreams May Be Over — Here’s Why the Labor Department Pulled the Plug
The U.S. Department of Labor has rescinded its 2022 guidance that discouraged including cryptocurrencies in 401(k) plans. This policy shift under the Trump administration allows fiduciaries more discretion, potentially opening the door for digital assets in retirement portfolios. However, investors should remain cautious and informed about the risks involved.
