Updated 2026-04-21
Index Funds vs Target-Date Funds: Which Is Better for 401(k)?
Head-to-head comparison of index funds and target-date funds in your 401(k). Fee impact calculator, three-fund portfolio, and when to choose each approach.
Key Takeaways
- Updated for 2026 IRS rules and contribution limits
- Covers eligibility requirements, deadlines, and tax implications
- Includes examples and step-by-step guidance
- Links to relevant calculators for personalized analysis
2026 Quick Reference
$24,500
2026 Deferral Limit
$72,000
Total 415(c) Limit
59½
Penalty-Free Age
73
RMD Start Age
Related Guides
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-04-21