SECURE 2.0 Act resources
Keeping you informed about SECURE 2.0 with in-depth materials that prioritize the information you need, when you need it. Refer to these resources as you prepare for current and future provisions.
Required provision timeline snapshot
2025
- Reduced eligibility period for LTPT employees; expansion to 403(b) plans (SECURE 2.0)
- Mandatory automatic enrollment for new plans
- Retirement savings lost and found
2026
- Roth catch-up contributions
- Annual paper statements
- Plan amendment deadline*
2027
- Saver’s match** (required and optional)
2033
- RMD age increase to 75
* Notice 2024-2 extended the deadline to adopt amendments that relate to the CARES Act, the SECURE Act, and SECURE 2.0 to December 31, 2026, (regardless of plan year).
** Saver’s credit will become Saver’s match in 2027.
** Saver’s credit will become Saver’s match in 2027.
Explore the latest SECURE 2.0 updates
SECURE 2.0 introduced more than 90 provisions—some required and others optional—when it was signed into law in 2022. With these provisions becoming effective in different years, Vanguard is prioritizing the significant volume of provisions based on the importance of implementing required provisions by their respective effective dates and the impact of optional provisions by their ability to drive financial wellness, provide additional flexibility, and ease administrative burden for our plan sponsors.
Stay informed about what those changes mean by exploring: