Highlights of the SECURE Act 2.0

This handy reference guide will tell you what the new rules are and how they’re different from the old ones. Nearly all the changes are included:

  • 10-year limit on inherited IRAs
  • No “forced” IRA spending until age 73/75
  • No more age limits for contributing to an IRA
  • Enhanced catch-up contributions for some savers
  • A reduction in missed RMD penalties
  • Lifetime income disclosure in 401(k) statements
  • 401(k) auto-enrollment maximum boosted to 15%
  • Use of 529 accounts to pay off student loans
  • QCD contribution account linked to inflation

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