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Put Your 401(k) To Work

You know you need to invest for the future, but you procrastinate getting started because it all seems so overwhelming. You become paralyzed with indecision, inertia takes hold and you delay—or never get started—investing. Sound familiar? Fortunately, getting started is not as hard as you think it is, and there is a way for that inertia to work in your favor.

With pensions a rarity these days, a common retirement investment vehicle is the employer-sponsored 401(k) plan. For many of you, the opportunity to sign up for a 401(k) is part of your onboarding with a new job. You complete the necessary forms and each month a predetermined percentage of your paycheck is invested into your company 401(k) plan. While you will pay taxes on any withdrawals from a 401(k) once you’re retired, (and heavy penalties if you withdraw before the age of 59 ½) any contributions you make are pre-tax. Which means that your taxable income for that year is reduced, and you pay less income tax. Not bad.

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Featured Resources

Booklets & Trifolds

IPI worked with Kiplinger’s Washington Editors and the Investor Protection Trust to draft seven investor education booklets as part of IPI’s ongoing investor education and protection programs.

Booklets & Trifolds

DASH for the STASH

The DASH for the STASH multi-state program is an investor education and protection poster contest that takes place as part of April’s Financial Literacy Month in public libraries and other venues in participating states.

DASH for the STASH


The IPT Video Segments are designed to inform, protect, and motivate viewers. Each video tackles a particular investing issue, scam or question.

Video Collection

Has college loan debt kept you from saving and investing for retirement?

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