Robert Brokamp

speaker

4,317 appearances 39 recordings 3 series first heard Oct 2025 last heard 12 Sep

Robert Brokamp’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 39 in all, peaking in Aug 2026 with 5.

Appearances

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Motley Fool Hidden Gems Investing · Three Lesser-Known But Powerful 401(k) Features · 12 Sep 2026 podcast

You may have more investment choices than you think. voice-verified

One reason that more 401ks don't offer a self-directed brokerage account voice-verified

It may be that plans do have a fiduciary responsibility to provide prudent investments to participants. voice-verified

And some plan providers worry that if they let employees choose any investment they want, they may make irresponsible decisions with their retirement money. voice-verified

As you might expect, we fools believe that investors should have more choices. voice-verified

Plus, the brokerage account doesn't just allow participants to buy individual stocks as well as maybe a wider range of stock funds and ETFs. voice-verified

It also offers more choices for people who want to play it safer with their money. voice-verified

You know, the typical 401k has maybe one cash-like account, maybe two or three bond funds, but there are many other, perhaps better ways to invest the non-stock portion of your portfolio. voice-verified

So check to see if your plan offers a self-directed brokerage account. voice-verified

And if not, ask to see if that feature could be added. voice-verified

And if you start utilizing that account, don't do anything crazy, right? voice-verified

Because after all, this is your retirement money. voice-verified

All right, let's move on to the mega backdoor Roth. voice-verified

And as we all know, 401ks have contribution limits. voice-verified

For 2026, the annual contribution limit is $24,500, plus another $8,000 catch-up limit if you'll be 50 or older by December 31st. voice-verified

Savers ages 60 to 63 have an even higher catch-up contribution limit, and that is $11,250. voice-verified

You're likely familiar with those figures. voice-verified

But there's another limit that gets far less attention. voice-verified

Specifically, in 2026, it's $72,000 plus the relevant catch-up amounts for the 50 and older crowd. voice-verified

Those are the amounts that can be contributed when you factor in traditional and or Roth contributions, the employer match, and any profit-sharing contributions. voice-verified

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