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You need to know your 401K contribution limits for retirement planning as part of a do it yourself financial plan . The 401K contribution limits for 2010 are $16,500 for employees. 401K employer contribution limits are  6% of the employee’s pre-tax compensation under the 401k rules. You can contribute an addition $5,500 for a total of $22,000 if you are 50 and older .

For example, if you earned $100,000, you could contribute a maximum of $16,500 in 2010 before taxes and your employer could contribute up to another $6,000 for a total of $22,500 going into your 401K account. Those are the 401K limits for people under 50.

  You could contribute the maximum of $16,500 plus an additional $5,500 bringing the total of $22,000 contributed on a pre-tax basis according to the 401k rules if you are over the age of 50 . If your employer also contributed the maximum of $6,000, you could have a total of $28,000 put into your account in one year. For people over the age of 50, those are the 401K limits .

401K contribution limits did not change from last year due to no inflation . The 401K limits are high enough to make the maximum contributions that will help make up for any losses you had in the prior year. Use the 401K rules above to make the maximum 401K contributions in this year. Rebuild your retirement dreams by putting in the maximum 401K contributions allowed by law and what you are eligible for through your employer.

Many employers will match contributions by employees up to a certain percentage. That is a 100% return on your money contributed yet statistics show most of you don’t take advantage of this. You can’t afford not to. You will not get that kind of return of your money elsewhere, and it is risk free.

Other advantages of your maximum 401K contributions are tax deferral on your  contributions and the tax deferred growth on the earnings within the 401K account . By putting money into your 401K on a pre-tax basis, you have more money working for you right away. By having to pay no tax on the investment income within your 401K plan, you get your money to grow faster than an investment outside of this plan.These two advantages make it the ideal growth vehicle for retirement planning.  There are three investments of which the 401K is one, that you will give you the most income at retirement- social security, savings, and 401K plan income  . -Fern Alix LaRocca CFP® Wealth Coach

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