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When You Should — and Should Not — Front-Load Your 401(k) – Daily Flash Briefing

January 20, 2020 by Bautis Financial
Weighing Options for Front Loading 401(k)

Before deciding to front-load your 401(k), consider the possible implications to your employer match. These three examples serve as a case study.

In many cases, it makes sense to max out your 401(k) contributions as early in the year as possible in order to get the money invested as early as possible. The same for IRA contributions, for the same reason.

However, in some cases, doing so can cause you to miss out on a part of the employer matching contribution — if your employer offers one. It all depends on how the plan actually calculates the matching contribution each pay period.

Consider these three hypothetical 401(k) plans as an example.

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Category: Retirement PlanningTag: 401k, 401k match, Front-Load 401k
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