Mid-Year Retirement Planning Checklist: 5 Questions to Ask Yourself About Your 401(k)
"I Didn't Realize How Much It Was Weighing on Me": 5 People on What It Felt Like to Finally Get Their Retirement Savings in Order
The 401(k) You Forgot About is Costing You More Than You Think
The Retirement Gap Women Can’t Ignore
Millennials and Gen X Are Underestimating How Long Retirement Will Last
Tax Season Checklist
Year-End Retirement Checklist
Catch-Up Contributions for 401(k)s and IRAs Explained
401(k) Rollover Checklist
Year-End Retirement Tax Strategies
401(k) Explained: Everything You Need to Know Before Your Next Job
IRA and 401(k) Deadlines
What Caregivers Can Do to Close the Retirement Gap
401(k) vs IRA? Side-by-Side Comparison
What IRA is Best for a Self-Employed Person?
A Simple Guide on IRA Contribution Reporting
A Comprehensive Guide to Traditional and Roth IRAs
The Retirement Gap Women Can’t Ignore
Caregiving shapes the careers and finances of millions of women, often in ways that don't show up until retirement. Career pauses, reduced hours, and interrupted savings can quietly compound into a significant gap. Here's what that gap looks like, and what you can do about it.
The Long-Term Cost of Caregiving
Women, on average, retire with 30% less savings than men. This gap builds over time through career pauses, reduced hours, and interrupted contributions during key earning years. Since women also tend to live longer in retirement, those savings need to last longer.
Caregiving is thought to be the most common reason, though it is not the only one. Education, career changes, and entrepreneurship all create the same pattern: time away from consistent saving that compounds quietly over a career.
If you provide regular support for a child, aging parent, spouse, or loved one with daily emotional, physical, or financial needs, you are a caregiver. It is typically unpaid, often invisible, and more common than people realize.
The numbers are stark. Research shows that taking a career break for caregiving can reduce retirement savings by nearly $346,000. This loss is driven by the compounding impact of lost wages, interrupted retirement contributions, missed employer matches, and lower Social Security benefits—all accumulating over time. These challenges often feel abstract until they are experienced firsthand.
Catching Up & Planning Ahead: Retirement Strategies for Women
There are practical steps you can take to close the gap, whether you’ve returned to work, are still caregiving, or are somewhere in between.
Combine old 401(k)s and IRAs into one IRA. If you changed jobs during a caregiving period, you may have old accounts. PensionBee can help you consolidate them and offers a 1% match on every dollar you roll over.
Career changes and time away from work leave retirement accounts behind with former employers. Those accounts are still yours.
PensionBee helps you combine old 401(k)s and IRAs into one easy-to-manage account and gives you a 1% match on every rollover and contribution (terms and conditions apply). Everyone gets a rollover manager to help make it simple to get consolidated into a diversified portfolio with ETFs like SPY and MDY from State Street Investment Management, one of the world’s largest asset managers.
Be Retirement Confident.
Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.
Investing involves risk. Past performance is no guarantee of future results. Not bank guaranteed. Not FDIC insured.
No Solicitation, Recommendation or Warranties Information provided directly by PensionBee or on PensionBee’s behalf, whether via direct communications from PensionBee, publicly accessible pages of PensionBee.com/us (including when accessed via the PensionBee app), PensionBee advertising and sponsorships, PensionBee’s direct and sponsored social media, or otherwise, in each case including any associated customer testimonial or third party endorsement and any information prepared by any unaffiliated third party or link to any third party source (collectively, “PensionBee Materials”) is provided solely for informational and educational purposes.
PensionBee Materials do not constitute tax, legal, financial or investment advice or an offer, solicitation or recommendation to buy or sell any securities or investments.
PensionBee Materials do not consider any individual investors’ specific financial, legal or tax situation, objectives, risk tolerance, or investment needs.
PensionBee Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of, and takes no responsibility for, any PensionBee Materials.
*Product images, figures, and projections used are hypothetical, for marketing purposes only, and do not represent actual customer returns.
Where PensionBee customers are featured, each has received a one-time cash payment for their testimonial. Testimonials reflect individual customer experiences and may not be representative of all PensionBee Customers.
Options on Rollovers A rollover is not your only option for an old 401(k) or IRA, you may alternatively decide to leave your assets with your former employer, rollover your plan to a new employer or to cash in your old plan with the resulting tax penalties applied. PensionBee Inc. does not provide tax advice or individual recommendations as to which of these options is most appropriate for your individual circumstances. To understand the implications of each of the options available to you and help you decide between them you may wish to consult a tax professional and or your financial advisor who has knowledge of your individual circumstances. For more information see FINRA - Retirement Accounts.
Our collaboration with State Street Global Advisors State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein.
The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.
The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA's express written consent.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“S&PDJI”) and have been licensed for use by State Street Global Advisors. S&P®, SPDR®,S&P 500®, US 500 and the 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&P Dow Jones Indices; and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.
Distributor: State Street Global Advisors Funds Distributors, LLC, member FINRA, SIPC, an indirect wholly owned subsidiary of State Street Corporation. References to State Street may include State Street Corporation and its affiliates. Certain State Street affiliates provide services and receive fees from the SPDR ETFs.
ALPS Distributors, Inc., member FINRA, is distributor for SPDR® S&P 500®, SPDR® S&P MidCap 400® and SPDR® Dow Jones Industrial Average, all unit investment trusts. ALPS Distributors, Inc. is not affiliated with State Street Global Advisors Funds Distributors, LLC.
Before investing, consider the funds' investment objectives, risks, charges and expenses. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257 or visit statestreet.com/im. Read it carefully.
Website Cookies We use cookies and similar technologies to enable our website to function, understand how our website is used, and support advertising and marketing activities. You can manage your cookie preferences at any time through our Manage My Cookies settings. Disabling advertising cookies may prevent certain advertising, retargeting, and cross-site tracking technologies from being used and may impact some website functionality and personalised content. Where required by applicable law, we recognise browser-based opt-out preference signals, including Global Privacy Control (GPC), and will automatically disable advertising and cross-context behavioural advertising cookies for that browser or device where applicable. For more information about how we collect and use personal information, please see our Privacy Policy.
Trust Pilot Scores Trustpilot is a consumer review platform. Trustpilot scores shown in PensionBee Materials are a result of reviews collected from PensionBee customers in the UK between 2016 and 2026 scoring PensionBee’s UK pension products. Customers were not compensated to give a review. The score has always been 4.5 or higher.
SEC Registration PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc. 's Brochure containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us.
PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004.
Information provided directly by PensionBee or on PensionBee’s behalf, whether via direct communications from PensionBee, publicly accessible pages of PensionBee.com/us (including when accessed via the PensionBee app), PensionBee advertising and sponsorships, PensionBee’s direct and sponsored social media, or otherwise, in each case including any associated customer testimonial or third party endorsement and any information prepared by any unaffiliated third party or link to any third party source (collectively, “PensionBee Materials”) is provided solely for informational and educational purposes.
PensionBee Materials do not constitute tax, legal, financial or investment advice or an offer, solicitation or recommendation to buy or sell any securities or investments.
PensionBee Materials do not consider any individual investors’ specific financial, legal or tax situation, objectives, risk tolerance, or investment needs.
PensionBee Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of, and takes no responsibility for, any PensionBee Materials.
*Product images, figures, and projections used are hypothetical, for marketing purposes only, and do not represent actual customer returns.
Where PensionBee customers are featured, each has received a one-time cash payment for their testimonial. Testimonials reflect individual customer experiences and may not be representative of all PensionBee Customers.
Options on Rollovers A rollover is not your only option for an old 401(k) or IRA, you may alternatively decide to leave your assets with your former employer, rollover your plan to a new employer or to cash in your old plan with the resulting tax penalties applied. PensionBee Inc. does not provide tax advice or individual recommendations as to which of these options is most appropriate for your individual circumstances. To understand the implications of each of the options available to you and help you decide between them you may wish to consult a tax professional and or your financial advisor who has knowledge of your individual circumstances. For more information see FINRA - Retirement Accounts.
Our collaboration with State Street Global Advisors State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein.
The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.
The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA's express written consent.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“S&PDJI”) and have been licensed for use by State Street Global Advisors. S&P®, SPDR®,S&P 500®, US 500 and the 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&P Dow Jones Indices; and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.
Distributor: State Street Global Advisors Funds Distributors, LLC, member FINRA, SIPC, an indirect wholly owned subsidiary of State Street Corporation. References to State Street may include State Street Corporation and its affiliates. Certain State Street affiliates provide services and receive fees from the SPDR ETFs.
ALPS Distributors, Inc., member FINRA, is distributor for SPDR® S&P 500®, SPDR® S&P MidCap 400® and SPDR® Dow Jones Industrial Average, all unit investment trusts. ALPS Distributors, Inc. is not affiliated with State Street Global Advisors Funds Distributors, LLC.
Before investing, consider the funds' investment objectives, risks, charges and expenses. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257 or visit statestreet.com/im. Read it carefully.
Website Cookies We use cookies and similar technologies to enable our website to function, understand how our website is used, and support advertising and marketing activities. You can manage your cookie preferences at any time through our Manage My Cookies settings. Disabling advertising cookies may prevent certain advertising, retargeting, and cross-site tracking technologies from being used and may impact some website functionality and personalised content. Where required by applicable law, we recognise browser-based opt-out preference signals, including Global Privacy Control (GPC), and will automatically disable advertising and cross-context behavioural advertising cookies for that browser or device where applicable. For more information about how we collect and use personal information, please see our Privacy Policy.
Trust Pilot Scores Trustpilot is a consumer review platform. Trustpilot scores shown in PensionBee Materials are a result of reviews collected from PensionBee customers in the UK between 2016 and 2026 scoring PensionBee’s UK pension products. Customers were not compensated to give a review. The score has always been 4.5 or higher.
SEC Registration PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc. 's Brochure containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us.
PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004.
Information provided directly by PensionBee or on PensionBee’s behalf, whether via direct communications from PensionBee, publicly accessible pages of PensionBee.com/us (including when accessed via the PensionBee app), PensionBee advertising and sponsorships, PensionBee’s direct and sponsored social media, or otherwise, in each case including any associated customer testimonial or third party endorsement and any information prepared by any unaffiliated third party or link to any third party source (collectively, “PensionBee Materials”) is provided solely for informational and educational purposes.
PensionBee Materials do not constitute tax, legal, financial or investment advice or an offer, solicitation or recommendation to buy or sell any securities or investments.
PensionBee Materials do not consider any individual investors’ specific financial, legal or tax situation, objectives, risk tolerance, or investment needs.
PensionBee Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of, and takes no responsibility for, any PensionBee Materials.
*Product images, figures, and projections used are hypothetical, for marketing purposes only, and do not represent actual customer returns.
Where PensionBee customers are featured, each has received a one-time cash payment for their testimonial. Testimonials reflect individual customer experiences and may not be representative of all PensionBee Customers.
Options on Rollovers A rollover is not your only option for an old 401(k) or IRA, you may alternatively decide to leave your assets with your former employer, rollover your plan to a new employer or to cash in your old plan with the resulting tax penalties applied. PensionBee Inc. does not provide tax advice or individual recommendations as to which of these options is most appropriate for your individual circumstances. To understand the implications of each of the options available to you and help you decide between them you may wish to consult a tax professional and or your financial advisor who has knowledge of your individual circumstances. For more information see FINRA - Retirement Accounts.
Our collaboration with State Street Global Advisors State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein.
The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.
The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA's express written consent.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“S&PDJI”) and have been licensed for use by State Street Global Advisors. S&P®, SPDR®,S&P 500®, US 500 and the 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&P Dow Jones Indices; and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.
Distributor: State Street Global Advisors Funds Distributors, LLC, member FINRA, SIPC, an indirect wholly owned subsidiary of State Street Corporation. References to State Street may include State Street Corporation and its affiliates. Certain State Street affiliates provide services and receive fees from the SPDR ETFs.
ALPS Distributors, Inc., member FINRA, is distributor for SPDR® S&P 500®, SPDR® S&P MidCap 400® and SPDR® Dow Jones Industrial Average, all unit investment trusts. ALPS Distributors, Inc. is not affiliated with State Street Global Advisors Funds Distributors, LLC.
Before investing, consider the funds' investment objectives, risks, charges and expenses. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257 or visit statestreet.com/im. Read it carefully.
Website Cookies We use cookies and similar technologies to enable our website to function, understand how our website is used, and support advertising and marketing activities. You can manage your cookie preferences at any time through our Manage My Cookies settings. Disabling advertising cookies may prevent certain advertising, retargeting, and cross-site tracking technologies from being used and may impact some website functionality and personalised content. Where required by applicable law, we recognise browser-based opt-out preference signals, including Global Privacy Control (GPC), and will automatically disable advertising and cross-context behavioural advertising cookies for that browser or device where applicable. For more information about how we collect and use personal information, please see our Privacy Policy.
Trust Pilot Scores Trustpilot is a consumer review platform. Trustpilot scores shown in PensionBee Materials are a result of reviews collected from PensionBee customers in the UK between 2016 and 2026 scoring PensionBee’s UK pension products. Customers were not compensated to give a review. The score has always been 4.5 or higher.
SEC Registration PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc. 's Brochure containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us.
PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004.
