迈向 2026 年前，退休储蓄者可以透过提高提拨与更聪明的帐户配置来放大资产。2025 年，年满 50 岁者可在 IRA 一般上限 7,000 美元之外，再多提拨 1,000 美元追补额；在 401(k) 上，则可在 23,500 美元一般上限之上，再加 7,500 美元追补额，60 至 63 岁者追补额最高可达 11,250 美元。专家也建议在应税、递延纳税与 Roth 帐户之间分散配置，以管理未来税负。

成本控管与节税策略会大幅影响成果。Christine Benz 建议，401(k) 投资选项中的基金费用率应低于 0.50%，费用高于 1% 就是警讯。长期资本利得税率为 0%、15% 或 20%；其中 15% 适用于年收入介于 48,351 至 533,400 美元的单身申报者，以及 96,701 至 600,050 美元的夫妻合并申报者。运用税损收割可一美元对一美元抵销资本利得，若损失超过利得，每年还可抵减 3,000 美元的一般所得，剩余损失可结转未来年度。

慈善捐赠与现金管理则补强 2026 年的退休策略。把增值股票捐入捐赠人建议基金，可免缴资本利得税，并就公允市价享有最高相当于调整后总所得 30% 的扣除额，超出部分可在未来五个课税年度结转扣除，因此年终移转截止日极为重要。自 2026 年起，前一年收入超过 150,000 美元的劳工，其 401(k) 追补额须改存入 Roth 帐户，丧失当年度扣除。鉴于 2025 年 11 月民间雇主减少 32,000 个工作机会，专家建议在约 3.65% 殖利率的高收益储蓄帐户中强化紧急备用金。

Retirement savers entering 2026 can boost balances through higher contributions and smarter account mix. In 2025, workers 50 and older may add a $1,000 catch-up to the $7,000 IRA limit and a $7,500 catch-up on top of the $23,500 401(k) limit; those ages 60 to 63 can add up to $11,250 in 401(k) catch-ups. Experts also urge diversification across taxable, pre-tax and Roth accounts to manage future tax bills.

Cost control and tax tactics can significantly affect outcomes. Within 401(k) menus, Christine Benz suggests fund expense ratios of 0.50% or less, calling fees above 1% a red flag. Long-term capital-gains tax rates are 0%, 15% or 20%; the 15% rate applies to single filers with income from $48,351 to $533,400 and joint filers from $96,701 to $600,050. Tax-loss harvesting can offset gains dollar for dollar and then up to $3,000 of ordinary income annually, with extra losses carried forward.

Charitable and cash-management moves round out the 2026 playbook. Donating appreciated stock to a donor-advised fund can eliminate capital-gains tax while allowing a deduction of fair-market value up to 30% of adjusted gross income; excess deductions carry forward for five years, so year-end transfer cutoffs matter. Starting in 2026, workers earning over $150,000 the prior year must direct 401(k) catch-ups into Roth accounts, losing an immediate tax break. With private employers reporting 32,000 fewer jobs in November 2025, experts recommend bolstering emergency funds in high-yield savings paying about 3.65%.