
Five years out of market meant missing nearly 80% gain

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The S&P 500's 12.44% annualized return since 2021 has turned $10,000 into nearly $17,972, highlighting the risks of market timing. The IRS has increased 2026 401(k) and IRA limits, enhancing tax-advantaged contributions. Additionally, utilizing step-up SIPs and consistent contributions can significantly boost long-term returns, emphasizing the importance of discipline over fund selection.

