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Catch Up Contributions

The Over 50 Advantage

Slow and steady wins the retirement saving race, right? But what if you’re way behind with only a few more laps to go?

“Catch-up” contributions are a great opportunity to make up for lost time. They allow investors age 50 and over to contribute significantly more to their qualified retirement plans than the maximum annual contribution.

Eligibility Requirements

You are eligible for catch-up contributions if the following requirements are met:

  • You are over 50 years old, or will turn 50 during the calendar year
  • Your plan offers a catch-up feature
  • Your regular plan contributions have reached one of the following limits:

– the annual deferral limit
– the plan’s annual deferral limit
– the annual limit for highly compensated employees

How Much Can You Contribute?

Catch-up contribution amounts vary by retirement plan. Check out the contribution limits  for the current tax year, and talk to your financial professional or plan administrator for further information regarding your specific plan.

Retirement Planning

Financial planning can be complex. We provide information and strategies to help you navigate the world of investing.

Learn more >

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. This information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.