- How does a 401(k) plan work?
- How much can I contribute to my 401(k)?
- How does the money get invested?
- What's a matching contribution?
- How does vesting work?
- What if my matching contribution is in company stock?
- What if I need the money before I retire?
- What if I leave my job?
- When do I have to take the money out?
After you turn 70 ½, you must make required minimum withdrawals from a 401(k). That means you can't leave the money in there, growing and growing, as you might like to do if, for example, you plan on living a really long time. If that's your situation, you're probably better off with a Roth 401(k). ![]()

