{"id":26501,"date":"2025-04-21T00:00:07","date_gmt":"2025-04-21T07:00:07","guid":{"rendered":"https:\/\/rizecu.com\/?p=26501"},"modified":"2025-05-08T07:48:19","modified_gmt":"2025-05-08T14:48:19","slug":"retirement-catchup-contributions","status":"publish","type":"post","link":"https:\/\/rizecu.com\/es\/article\/retirement-catchup-contributions\/","title":{"rendered":"Boost your retirement savings with catch-up contributions"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"26501\" class=\"elementor elementor-26501\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16d74e6 e-flex e-con-boxed e-con e-parent\" data-id=\"16d74e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bbf116 elementor-widget elementor-widget-image\" data-id=\"2bbf116\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1080\" height=\"460\" src=\"https:\/\/rizecu.com\/wp-content\/uploads\/250421-RizeWealth-Contributions-banner.png\" class=\"attachment-large size-large wp-image-26503\" alt=\"retirement savings on money\" srcset=\"https:\/\/rizecu.com\/wp-content\/uploads\/250421-RizeWealth-Contributions-banner.png 1080w, https:\/\/rizecu.com\/wp-content\/uploads\/250421-RizeWealth-Contributions-banner-768x327.png 768w, https:\/\/rizecu.com\/wp-content\/uploads\/250421-RizeWealth-Contributions-banner-18x8.png 18w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6755bda e-flex e-con-boxed e-con e-parent\" data-id=\"6755bda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-067ea2f elementor-widget elementor-widget-text-editor\" data-id=\"067ea2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"color: #254124; font-size: 20px;\">Planning for retirement can feel overwhelming, especially if you got a late start or had a few detours along the way.<\/span><\/strong><\/p><p>You&#8217;re not alone \u2013 according to a recent survey, only 21% of workers feel very confident they\u2019ll have enough money to live comfortably in retirement, while 32% admit they\u2019re not confident at all.<\/p><p>Thankfully, there\u2019s a powerful tool that can help older workers catch up on their savings \u2013 literally.<\/p><p><span style=\"font-size: 24px; color: #000000;\">What are catch-up contributions?<\/span><\/p><p>Congress introduced catch-up contributions back in 2001 to help workers ages 50 and older make up for lost time. If you qualify, this provision lets you contribute more to your retirement accounts than younger workers can.<\/p><p>Here\u2019s how it breaks down for 2025:<\/p><ul><li>The standard 401(k) contribution limit is $23,500<\/li><li>If you\u2019re age 50 or older, or will turn 50 this year, you can contribute up to $31,000<\/li><li>If you&#8217;re between ages 60 and 63, you can go even further \u2013 up to $34,750<\/li><\/ul><p>That\u2019s a significant boost in your tax-deferred savings potential.<\/p><p><span style=\"font-size: 24px; color: #000000;\">Why it matters<\/span><\/p><p>An extra $7,500 \u2013 or more \u2013 each year can make a big difference in the long run. Over time, it could mean tens, or even hundreds of thousands of dollars more in your retirement account. And when you retire, that larger balance could translate into more monthly income \u2013 or a longer-lasting nest egg.<\/p><p>To give you an idea: let\u2019s say two people each contribute to their 401(k) from age 50 to 67. One sticks with the standard limit of $23,500, while the other takes advantage of catch-up contributions and puts in $31,000 annually. When they both retire at 67 and begin withdrawing $7,000 per month, the person who didn\u2019t use catch-up contributions could run out of money before age 80. Meanwhile, the person who saved more will see their funds last significantly longer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32cf1f2 elementor-widget elementor-widget-image\" data-id=\"32cf1f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1500\" height=\"881\" data-src=\"https:\/\/rizecu.com\/wp-content\/uploads\/2504-RizeWealth-catchup-graphic.jpg\" class=\"attachment-large size-large wp-image-26502 lazyload\" alt=\"retirement savings graph\" data-srcset=\"https:\/\/rizecu.com\/wp-content\/uploads\/2504-RizeWealth-catchup-graphic.jpg 1500w, https:\/\/rizecu.com\/wp-content\/uploads\/2504-RizeWealth-catchup-graphic-768x451.jpg 768w, https:\/\/rizecu.com\/wp-content\/uploads\/2504-RizeWealth-catchup-graphic-18x12.jpg 18w\" data-sizes=\"(max-width: 1500px) 100vw, 1500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1500px; --smush-placeholder-aspect-ratio: 1500\/881;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-124f7f9 elementor-widget elementor-widget-text-editor\" data-id=\"124f7f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 24px; color: #000000;\">Final thoughts<\/span><\/p><p>If you&#8217;re 50 or older, catch-up contributions offer a smart way to boost your retirement readiness. Limits do change from year to year, so be sure to stay up to date and talk with your financial advisor to make the most of your savings strategy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe1cd8c elementor-widget elementor-widget-text-editor\" data-id=\"fe1cd8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Let&#8217;s build a stronger financial future together<\/strong><br \/><span style=\"color: #fcf84e;\"><a style=\"color: #fcf84e;\" title=\"Reach out to the Rize Wealth team\" href=\"\/es\/servicios-de-inversion\/\">Reach out to the Rize Wealth team<\/a><\/span> and explore how catch-up contributions could boost your long-term savings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66c730a elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-share-buttons--skin-gradient elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"66c730a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_x-twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en x-twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-x-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af2a22e elementor-widget elementor-widget-text-editor\" data-id=\"af2a22e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This hypothetical example is for illustrative purposes only and does not represent actual investment performance. It assumes a 5% annual rate of return, which is not guaranteed and may vary over time. Fees, taxes, and other expenses are not reflected in this illustration and would reduce returns. Contribution limits and tax rules are subject to change. Withdrawals from a 401(k) or similar plan are taxed as ordinary income and may be subject to a 10% federal income tax penalty if taken before age 59\u00bd. In most cases, required minimum distributions must begin at age 73.\u00a0This material is for informational purposes only and should not be considered tax or legal advice. Please consult a qualified professional regarding your individual situation. Sources: EBRI.org (2024), IRS.gov (2025), Economic Growth and Tax Relief Act of 2001.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9d927c elementor-widget elementor-widget-template\" data-id=\"e9d927c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"26510\" class=\"elementor elementor-26510\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3284c407 e-flex e-con-boxed e-con e-parent\" data-id=\"3284c407\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18d6e18c elementor-widget elementor-widget-text-editor\" data-id=\"18d6e18c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">Los profesionales financieros asociados con LPL Financial pueden discutir y\/o realizar transacciones comerciales solo con residentes de los estados en los que est\u00e1n debidamente registrados o autorizados con licencia. No se pueden realizar ni aceptar ofertas de residentes de ning\u00fan otro estado. <strong>Los valores son ofrecidos a trav\u00e9s de LPL Financial (LPL), un corredor de bolsa registrado (miembro de <a title=\"FINRA\" href=\"https:\/\/www.finra.org\/\" target=\"_blank\" rel=\"noopener\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"633782beb51e621dfdb34d02\">FINRA<\/a>\/<a title=\"SIPC\" href=\"https:\/\/www.sipc.org\/\" target=\"_blank\" rel=\"noopener\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"633782beb51e621dfdb34d02\">SIPC<\/a>).<\/strong>Los productos de seguros son ofrecidos a trav\u00e9s de LPL o sus afiliados autorizados con licencia. El asesoramiento de inversiones es ofrecido a trav\u00e9s de Global Retirement Partners (GRP), un asesor de inversiones registrado y una entidad independiente de LPL Financial. Rize Federal Credit Union (Rize CU) y Rize Wealth  <strong><span style=\"text-decoration: underline\">no est\u00e1n<\/span><\/strong> registrados como corredores de bolsa ni asesores de inversi\u00f3n. Los representantes registrados de LPL ofrecen productos y servicios a trav\u00e9s de Rize Wealth y tambi\u00e9n pueden ser empleados de Rize CU. Estos productos y servicios son ofrecidos a trav\u00e9s de LPL o sus afiliados, los cuales son entidades separadas y no afiliadas a Rize CU o Rize Wealth. Los valores y seguros ofrecidos a trav\u00e9s de LPL o sus afiliados son:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5404d3c3 e-grid e-con-boxed e-con e-child\" data-id=\"5404d3c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a749545 elementor-widget elementor-widget-text-editor\" data-id=\"1a749545\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>No asegurados por la NCUA o cualquier otra agencia gubernamental<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e91c7b elementor-widget elementor-widget-text-editor\" data-id=\"6e91c7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>No Credit Union guarantee<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de310c4 elementor-widget elementor-widget-text-editor\" data-id=\"de310c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>No son obligaciones o dep\u00f3sitos de la Credit Union<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-966d362 elementor-widget elementor-widget-text-editor\" data-id=\"966d362\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>Pueden perder valor<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-120cabc0 elementor-widget elementor-widget-text-editor\" data-id=\"120cabc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rize Federal Credit Union (Rize CU) proporciona referencias a profesionales financieros de LPL Financial LLC (LPL) de conformidad con un acuerdo que permite a LPL pagar a Rize CU por estas referencias. Esto crea un incentivo para que Rize CU haga estas referencias, lo que resulta en un conflicto de intereses. Rize CU no es un cliente actual de LPL para servicios de asesoramiento. Por favor, visita <a href=\"https:\/\/www.lpl.com\/disclosures\/is-lpl-relationship-disclosure.html\" target=\"_blank\" rel=\"noopener\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"633782beb51e621dfdb34d02\">lpl.com<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Planning for retirement can feel overwhelming, especially if you got a late start or had a few detours along the way. You&#8217;re not alone \u2013 according to a recent survey, only 21% of workers feel very confident they\u2019ll have enough money to live comfortably in retirement, while 32% admit they\u2019re not confident at all. Thankfully, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":26503,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[17,163],"tags":[],"class_list":["post-26501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","category-rize-wealth"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Boost your retirement savings with catch-up contributions | Rize Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rizecu.com\/es\/article\/retirement-catchup-contributions\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Boost your retirement savings with catch-up contributions | Rize Credit Union\" \/>\n<meta property=\"og:description\" content=\"Planning for retirement can feel overwhelming, especially if you got a late start or had a few detours along the way. You&#8217;re not alone \u2013 according to a recent survey, only 21% of workers feel very confident they\u2019ll have enough money to live comfortably in retirement, while 32% admit they\u2019re not confident at all. Thankfully, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rizecu.com\/es\/article\/retirement-catchup-contributions\/\" \/>\n<meta property=\"og:site_name\" content=\"Rize Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RizeCreditUnion\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-21T07:00:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-08T14:48:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rizecu.com\/wp-content\/uploads\/250421-RizeWealth-Contributions-banner.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"460\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Dawn M\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RizeCreditUnion\" \/>\n<meta name=\"twitter:site\" 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