# In Your 50s, Max Your Catch-Up Contributions and Build a Bond Cushion

- Source: Money Crashers
- Published: 2026-11-06T17:00:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/investing-in-50s/
- Canonical: https://groundlevelnews.com/story/in-your-50s-max-your-catch-up-contributions-and-build-a-bond-cushion-3afd32/

From the year you turn 50, catch-up rules let you add $8,000 a year to a 401(k) and $1,100 to an IRA beyond the regular limits. Raise your contributions to use them. Shift gradually toward bonds until a few years of retirement withdrawals sit in bonds and cash, so a crash can’t force you to sell stocks low. Source

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