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FC MARKETS

Markets, money and the economy, explained for American investors

Topic

401k

2 articles

ETFs & Funds

Target-Date Funds Explained: Glide Paths, Costs and What to Check

Target-date funds are the default investment in many American 401(k) plans, which means millions of savers own one without having chosen it. Here is how they work, what a glide path is, why two 2050 funds can hold very different portfolios, and what to check before relying on one.

6 min read

Retirement

401(k) vs. IRA vs. Roth IRA: How the Main Retirement Accounts Compare

The 401(k), traditional IRA and Roth IRA all offer tax breaks for retirement saving, but they differ on who can open them, when the tax benefit arrives, how much you can put in and how flexible withdrawals are. This guide lays out the rules side by side and explains the trade-offs between pre-tax and Roth saving.

6 min read