Resilient Asset Management

Will you be 60, 61, 62, or 63 in 2026?

If you're focused on maximizing retirement savings, this may be the most important post you read.

There's a contribution window called the "super catch-up" — and it only exists for exactly four years of your life.

Here's how the 401(k) contribution tiers look for 2026:
Under 50: $24,500
Age 50–59: $32,500 (+$8,000 catch-up)
Age 60–63: $35,750 (+$11,250 super catch-up)
Age 64+: $32,500 (back to standard catch-up)

A few important details on eligibility:

You qualify if you turn 60, 61, 62, or 63 at any point during the calendar year
You must be 60–63 on December 31 — if you turn 64 before year-end, you do not qualify for that year
Your plan must opt in to offer the super catch-up — most large plans have, but confirm with your HR department or plan administrator before adjusting your contributions
If your 2025 wages exceeded $150,000, your catch-up contributions must go into a Roth account — confirm your plan offers a Roth option, as plans without one may not allow catch-up contributions for high earners

That enhanced catch-up is 40% larger than what every other age group gets. And it disappears the moment you turn 64.

For pre-retirees in this window who aren't maximizing contributions: you are leaving one of the most valuable tax-sheltered opportunities available on the table.

If this applies to you — or to a parent, sibling, or colleague in this age range — this is worth a conversation today, not next year.

Reflecting on 2025, one thing is clear: diversification trumps prognostication every single time.

While international markets outshined their domestic counterparts this year, the lesson isn't in the "win"—it's in the preparation. As we look toward 2026 and the continued evolution of AI, the "mud-stained windshield" of the future remains.

In our latest Year-End Letter, we break down:

📌 Why "uncertainty" is an evergreen reality, not a modern phenomenon.
📌 The psychology of the "survival instinct" in investing.
📌How we are navigating the AI-themed market shift.

Read our full letter here: https://www.resilientam.com/blog/2025-annual-client-letter