Is a higher cap good or bad news?
A phased rise in the contribution cap means higher earners pay more — a forced boost to retirement savings; but take-home pay dips short-term, delighting some, worrying others. The long-frozen cap is playing catch-up.
How do you not lose on bigger contributions?
Paying more means ensuring it lands in cheap, solid funds — not fee-heavy ones. Review your mix before it takes effect and direct the extra into the lowest-fee picks.
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