2025 offers enhanced retirement investment schemes:
- Catch-up Contributions: Increased limits for those 50+ in 401(k)s and IRAs
- SECURE Act 2.0 Benefits: Higher RMD age and expanded employer matching options
- Auto-Enrollment Features: Mandatory for new workplace plans
New special retirement schemes include enhanced employer matching for student loan payments and emergency savings provisions. The Saver’s Credit has been modified to provide better incentives for moderate-income workers. Consider combining these with Health Savings Accounts (HSAs) for maximum tax advantages.