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10275\u0275elementStart(34,"nav",22),a.\u0275\u0275elementStart(35,"h2"),a.\u0275\u0275text(36,"Table of Contents"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(37,"ol"),a.\u0275\u0275elementStart(38,"li"),a.\u0275\u0275elementStart(39,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S2")})("keydown.enter",function(){return t.scrollTo("S2")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S2")}),a.\u0275\u0275text(40,"Start Early"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(41,"li"),a.\u0275\u0275elementStart(42,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S3")})("keydown.enter",function(){return t.scrollTo("S3")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S3")}),a.\u0275\u0275text(43,"Regularly Increase Your Contributions"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(44,"li"),a.\u0275\u0275elementStart(45,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S4")})("keydown.enter",function(){return t.scrollTo("S4")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S4")}),a.\u0275\u0275text(46,"Be Patient"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(47,"li"),a.\u0275\u0275elementStart(48,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S5")})("keydown.enter",function(){return t.scrollTo("S5")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S5")}),a.\u0275\u0275text(49,"Take Appropriate Risk"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(50,"li"),a.\u0275\u0275elementStart(51,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S6")})("keydown.enter",function(){return t.scrollTo("S6")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S6")}),a.\u0275\u0275text(52,"Keep a Lid on Your Account"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(53,"li"),a.\u0275\u0275elementStart(54,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S7")})("keydown.enter",function(){return t.scrollTo("S7")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S7")}),a.\u0275\u0275text(55,"FAQs"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(56,"p"),a.\u0275\u0275text(57," In 2013, Fritz Gilbert reached a goal he had worked toward for 28 years: His 401(k) hit the million-dollar mark. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(58,"p"),a.\u0275\u0275text(59," With that tick to seven digits, Gilbert, who is 55, newly retired and founder of The Retirement Manifesto blog, joined an exclusive club. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(60,"p"),a.\u0275\u0275text(61," He became one of the people who hit millionaire status with their 401(k)s. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(62,"p"),a.\u0275\u0275text(63," At Fidelity Investments, which holds over 16.2 million 401(k) accounts, only 187,000 had balances of $1 million or more. That was the total at the end of September 2018. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(64,"p"),a.\u0275\u0275text(65," So how did Gilbert and the other savers do it? Slowly. Here are five keys to 401(k) millionaire success. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(66,"h2",24),a.\u0275\u0275elementStart(67,"span",25),a.\u0275\u0275elementStart(68,"span",26),a.\u0275\u0275text(69,"1"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(70," Start Early"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(71,"p"),a.\u0275\u0275text(72," There\u2019s a barrier to building a seven-figure 401(k) balance that affects everyone. Annual contribution limits put a cap on how much can be added to the account each year. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(73,"p"),a.\u0275\u0275text(74," The 401(k) contribution limit for 2018 \u2014 $18,500, or $24,500 for those 50 or older \u2014 isn\u2019t exactly stifling for most people. But it does mean the path to $1 million requires an early start. "),a.\u0275\u0275elementEnd(),a.\u
10275\u0275elementStart(75,"p"),a.\u0275\u0275text(76," Like Gilbert, the average 401(k) millionaire at Fidelity has been contributing for nearly 28 years. Starting early also gives your money more time to grow. That means you capitalize on compound interest. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(77,"p"),a.\u0275\u0275text(78," Each year, investment returns are added to your balance, and the next year\u2019s return is based on that bigger balance. Your returns begin earning a return, in other words. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(79,"h2",27),a.\u0275\u0275elementStart(80,"span",25),a.\u0275\u0275elementStart(81,"span",26),a.\u0275\u0275text(82,"2"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(83," Regularly Increase Your Contributions"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(84,"p"),a.\u0275\u0275text(85," It\u2019s unlikely you\u2019ll be able to max out your 401(k) at your first job. It\u2019s also unlikely you\u2019ll do it every single year. That\u2019s fine. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(86,"p"),a.\u0275\u0275text(87," Gilbert says he started by contributing 6% of his salary. Then, he increased his contribution each year by directing the majority of each salary increase into his 401(k) instead of his take-home pay. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(88,"blockquote",28),a.\u0275\u0275text(89," \u201cIt was forced scarcity \u2014 forcing ourselves to live below our means by taking increases in pay and putting them in savings,\u201d Gilbert says. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(90,"p"),a.\u0275\u0275text(91," Start by contributing enough to earn employer matching dollars provided by your plan. Then try to increase by 1% or 2% each year. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(92,"h2",29),a.\u0275\u0275elementStart(93,"span",25),a.\u0275\u0275elementStart(94,"span",26),a.\u0275\u0275text(95,"3"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(96," Be Patient"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(97,"p"),a.\u0275\u0275text(98," That compound interest referenced earlier? It starts out as a slow burn. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(99,"p"),a.\u0275\u0275text(100," \u201cIn 2000, my balance was at about $250,000. That\u2019s 15 years in. And yet, in not even the same amount of time \u2014 13 years later \u2014 I was at $1 million,\u201d Gilbert says. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(101,"p"),a.\u0275\u0275text(102," That\u2019s because the bigger your balance, the bigger the effect of compound interest. Let\u2019s say Gilbert contributed $10,000 to his 401(k) in year one. If he earned a 6% return, he would start the next year with $10,600. By year 15, a 6% return on $250,000 amounts to $15,000. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(103,"p"),a.\u0275\u0275text(104," Once compound interest starts to pick up speed, you\u2019ll see your money quickly multiply. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(105,"p"),a.\u0275\u0275text(106," \u201cSaving for retirement is something you do over your entire career,\u201d says Meghan Murphy, vice president at Fidelity Investments. \u201cIt absolutely does not happen overnight.\u201d \u201cIf you\u2019re 45 and you haven\u2019t saved $1 million yet, that\u2019s OK.\u201d "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(107,"h2",30),a.\u0275\u0275elementStart(108,"span",25),a.\u0275\u0275elementStart(109,"span",26),a.\u0275\u0275text(110,"4"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(111," Take Appropriate Risk"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(112,"p"),a.\u0275\u0275text(113," Compound interest relies on investment returns. If you have a long time horizon, you\u2019ll likely have a portfolio that is heavily tilted toward stocks. Most retirement savers do. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(114,"p"),a.\u0275\u0275text(115," Stock mutual funds should also make up a meaningful part of that mix. Historically, those investments have posted higher returns than other options available through 401(k)s. "),a.\u0275\u0275elementEnd(),a.\u
10275\u0275elementStart(116,"p"),a.\u0275\u0275text(117," At Fidelity, 401(k) millionaires hold on average 77% of their assets in equities, also known as stocks. Over the past year, 86% of the growth in those accounts came from market returns; only 14% was contributions. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(118,"p"),a.\u0275\u0275text(119," \u201cBeing invested appropriately for your age is something we\u2019re constantly stressing,\u201d Murphy says. \u201cIt\u2019s important throughout your entire career to make sure you\u2019re not investing too conservatively.\u201d "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(120,"p"),a.\u0275\u0275text(121," Your 401(k) will allow you to "),a.\u0275\u0275elementStart(122,"a",31),a.\u0275\u0275text(123,"invest in stocks"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(124," through mutual funds, which pool investor money to purchase a selection of investments. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(125,"p"),a.\u0275\u0275text(126," If you\u2019re not comfortable choosing funds, you can invest your entire 401(k) in a target date mutual fund, which invests in stocks and bonds. The fund\u2019s allocation between the two is targeted to a retirement year, and adjusts as that time approaches. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(127,"h2",32),a.\u0275\u0275elementStart(128,"span",25),a.\u0275\u0275elementStart(129,"span",26),a.\u0275\u0275text(130,"5"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(131," Keep a Lid on Your Account"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(132,"p"),a.\u0275\u0275text(133," Taking loans or early distributions from your 401(k) stunts its growth. That should be obvious. What often isn\u2019t obvious? The impact of fees. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(134,"p"),a.\u0275\u0275text(135," Fees, especially expense ratios charged by mutual funds, can easily erode your return. A recent NerdWallet analysis found that 401(k) fees can add up to a lifetime cost of over $200,000, not including lost investment returns. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(136,"p"),a.\u0275\u0275text(137," Keep fees down by choosing low-cost investments, with expense ratios under 0.5%, if possible. If your plan offers only expensive funds, contribute enough to earn your employer match first. Then review "),a.\u0275\u0275elementStart(138,"a",33),a.\u0275\u0275text(139,"how to open an IRA in 4 steps"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(140,". "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(141,"p"),a.\u0275\u0275elementStart(142,"strong"),a.\u0275\u0275text(143,"More From NerdWallet"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(144,"ul"),a.\u0275\u0275elementStart(145,"li"),a.\u0275\u0275elementStart(146,"a",34),a.\u0275\u0275text(147,"The best IRA accounts"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(148,"li"),a.\u0275\u0275elementStart(149,"a",35),a.\u0275\u0275text(150,"Estimate the lifetime cost of your 401(k) fees"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(151,"li"),a.\u0275\u0275elementStart(152,"a",36),a.\u0275\u0275text(153,"Calculate how much you need to save for retirement"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(154,"p"),a.\u0275\u0275text(155," Arielle O\u2019Shea is a writer at NerdWallet. Email: "),a.\u0275\u0275elementStart(156,"a",37),a.\u0275\u0275text(157,"[email protected]"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(158,". Twitter: @arioshea. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(159,"p"),a.\u0275\u0275text(160," The article 5 Key Steps to Join the 401(k) Millionaires Club originally appeared on NerdWallet. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(161,"div",38),a.\u0275\u0275elementStart(162,"span"),a.\u0275\u0275text(163,"Share:"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(164,"a",39),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(165,"svg",40),a.\u0275\u0275element(166,"path",41),a.\u0275\u0275elementEnd(),a.\u
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10275\u0275elementEnd(),a.\u0275\u0275elementStart(213,"details"),a.\u0275\u0275elementStart(214,"summary"),a.\u0275\u0275elementStart(215,"h3"),a.\u0275\u0275text(216,"How much can 401(k) fees cost over a lifetime?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(217,"p"),a.\u0275\u0275text(218,"A recent NerdWallet analysis found that 401(k) fees can add up to a lifetime cost of over $200,000, not including lost investment returns. To keep fees down, choose low-cost investments with expense ratios under 0.5% when possible. If your plan only offers expensive funds, contribute enough to earn your employer match first."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(219,"div",2),a.\u0275\u0275elementStart(220,"section",54),a.\u0275\u0275elementStart(221,"h2",55),a.\u0275\u0275text(222,"Related Blog Posts"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(223,"div",56),a.\u0275\u0275elementStart(224,"a",57),a.\u0275\u0275elementStart(225,"div",58),a.\u0275\u0275elementStart(226,"span",59),a.\u0275\u0275text(227,"Home Budgeting & Finance"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(228,"img",60),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(229,"div",61),a.\u0275\u0275elementStart(230,"h3"),a.\u0275\u0275text(231,"Retire at 30: Save $1M on a $55K Salary"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(232,"span",62),a.\u0275\u0275text(233,"Michel Mora \xb7 Dec 1, 2017 \xb7 9 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(234,"span",63),a.\u0275\u0275text(235,"Read article "),a.\u0275\u0275elementStart(236,"span",64),a.\u0275\u0275text(237,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(238,"a",57),a.\u0275\u0275elementStart(239,"div",58),a.\u0275\u0275elementStart(240,"span",59),a.\u0275\u0275text(241,"Home Budgeting & Finance"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(242,"img",65),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(243,"div",61),a.\u0275\u0275elementStart(244,"h3"),a.\u0275\u0275text(245,"Boost Your Credit Score: Simple, Fast Strategies"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(246,"span",62),a.\u0275\u0275text(247,"Michel Mora \xb7 May 24, 2017 \xb7 3 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(248,"span",63),a.\u0275\u0275text(249,"Read article "),a.\u0275\u0275elementStart(250,"span",64),a.\u0275\u0275text(251,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(252,"a",57),a.\u0275\u0275elementStart(253,"div",58),a.\u0275\u0275elementStart(254,"span",59),a.\u0275\u0275text(255,"Savings Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(256,"img",66),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(257,"div",61),a.\u0275\u0275elementStart(258,"h3"),a.\u0275\u0275text(259,"6 Practical Strategies to Survive Unemployment"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(260,"span",62),a.\u0275\u0275text(261,"Carolyn Depoto \xb7 Feb 4, 2019 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(262,"span",63),a.\u0275\u0275text(263,"Read article "),a.\u0275\u0275elementStart(264,"span",64),a.\u0275\u0275text(265,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(266,"a",57),a.\u0275\u0275elementStart(267,"div",58),a.\u0275\u0275elementStart(268,"span",59),a.\u0275\u0275text(269,"Savings Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(270,"img",67),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(271,"div",61),a.\u0275\u0275elementStart(272,"h3"),a.\u0275\u0275text(273,"6 Hidden Ways You're Losing Money (and How to Stop)"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(274,"span",62),a.\u0275\u0275text(275,"Carolyn Depoto \xb7 Mar 2, 2018 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u
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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.