{"id":1574,"date":"2025-08-14T10:43:36","date_gmt":"2025-08-14T10:43:36","guid":{"rendered":"https:\/\/www.finznest.com\/blog\/theres-a-higher-401k-catch-up-contribution-for-some-in-2025\/"},"modified":"2025-08-14T10:43:36","modified_gmt":"2025-08-14T10:43:36","slug":"theres-a-higher-401k-catch-up-contribution-for-some-in-2025","status":"publish","type":"post","link":"https:\/\/www.finznest.com\/blog\/theres-a-higher-401k-catch-up-contribution-for-some-in-2025\/","title":{"rendered":"There’s a higher 401(k) catch-up contribution for some in 2025"},"content":{"rendered":"
<\/p>\n
\n
\n
\n

Richvintage | E+ | Getty Images<\/p>\n<\/div>\n<\/div>\n<\/div>\n

\n

If you’re an older investor and eager to save more for retirement, there’s a big 401(k) change for 2025 that could help boost your portfolio, experts say.<\/p>\n

Americans expect they will need $1.26 million to retire comfortably, and more than half expect to outlive their savings, according to a Northwestern Mutual survey, which polled more than 4,600 adults in January.<\/p>\n

But starting this year, some older workers can leverage a 401(k) “super funding” opportunity to help them catch up, Tommy Lucas, a certified financial planner and enrolled agent at Moisand Fitzgerald Tamayo in Orlando, Florida, previously told CNBC.<\/p>\n<\/div>\n

\n
\n
\n
\n

More from FA Playbook:<\/h2>\n
\n

Here’s a look at other stories affecting the financial advisor business.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

\n

Here’s what investors need to know about this new 401(k) feature for 2025.<\/p>\n<\/div>\n

Higher ‘catch-up contributions’<\/h2>\n
\n

For 2025, you can defer up to $23,500 into your 401(k), plus an extra $7,500 if you’re age 50 and older, known as “catch-up contributions.”<\/p>\n

Thanks to Secure 2.0, the 401(k) catch-up limit has jumped to $11,250 for workers age 60 to 63 in 2025. That brings the max deferral limit to $34,750 for these investors.\u00a0\u00a0\u00a0<\/p>\n

\n

Here’s the\u00a02025\u00a0catch-up limit by age:<\/p>\n