A new government proposal could change how millions of Americans manage their 401(k)s.

Financial regulators are reviewing updates that could limit certain investment options while expanding others — potentially shifting how retirees grow and protect their savings.

And for those near retirement, the timing couldn’t be worse.
 

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Fun Fact Of The Day

The first 401(k) plan was introduced in 1981 by Johnson & Johnson, after a benefits consultant discovered a little-known provision in the 1978 tax code that allowed workers to defer part of their income for retirement savings.