Updated 2026-04-21
401(k) Asset Allocation by Age: Model Portfolios by Decade
Age-based 401(k) allocation models using the Rule of 100, 110, and 120. Visual portfolio breakdowns from your 20s to retirement.
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
- Investment Allocation
- Allocation Calculator
- 401(K) Rebalancing
- Target Date Funds
- Retirement Savings Goals
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