SECURE Act 2.0: What Changed for Your 401(k)
New RMD ages, auto-enrollment rules, Roth catch-up requirements, and emergency access
SECURE Act 2.0 made over 90 changes to retirement rules. Key changes: RMD age raised to 73-75, new plans must auto-enroll employees, catch-up contributions must be Roth for high earners ($145K+), and penalty-free emergency withdrawals up to $1,000/year.
Major Changes
- RMD age 73: Born 1960-1962
- RMD age 75: Born 1963+
- Auto-enrollment: New plans must auto-enroll at 3-10%
- Super catch-up: Ages 60-63 get $11,250 extra
- Student loan match: Employers can match loan payments