: Ask your HR department for the login to the plan provider’s website (e.g., Empower, Fidelity, or Vanguard).
: Many modern companies enroll you automatically at a small percentage (usually 3%), so check if you’re already contributing. 3. Decide Your Contribution Rate how to buy 401k
: Aim to contribute at least enough to get the full "employer match"—this is essentially a 100% return on your money. : Ask your HR department for the login