Catch-up contributions to individual retirement accounts and 401(k)s can help older Americans whose retirement savings may otherwise fall short, according to this analysis. The contributions allow those 50 and older to add as much as $5,500 to a 401(k) and $1,000 to an IRA, on top of regular caps. A TD Ameritrade survey showed that 68% of those who qualify don't make catch-up contributions.

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