Retirement account

I have gathered the following potential external links:

1. History/Origin (ERISA):

   • U.S. Department of Labor: "History of EBSA and ERISA"²⁴ - This looks excellent and directly from a government source.
   • Investopedia: "Employee Retirement Income Security Act (ERISA) of 1974: ERISA Explained"²³ - Good overview, but DOL is preferred for official history.
   • Primerus: "History of the Formation of the Employment Retirement Income Security Act of 1974 as Amended (ERISA)"²² - Also good, but DOL is more authoritative.
   • Wikipedia: "Employee Retirement Income Security Act of 1974" - Good for context, but prefer primary source for citation.
   • EBSCO Research Starters: "Employee Retirement Income Security Act (ERISA) of 1974"²¹ - Good summary.

   Chosen: History of EBSA and ERISA²⁰ (from dol.gov)

2. Regulation (IRS/Contribution Limits):

   • IRS: "Retirement topics - 401(k) and profit-sharing plan contribution limits"¹⁹ - Direct IRS source for 401(k) limits.
   • IRS: "401(k) limit increases to $23500 for 2025, IRA limit remains $7000"¹⁸ - Very specific and official.
   • IRS: "About Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs)"¹⁷ - Official publication for IRAs.
   • IRS: "Publication 590-A (2024), Contributions to Individual Retirement Arrangements (IRAs)"¹⁶ - Detailed IRS publication.
   • eFile.com: "Pub 590-A: Contributions to Individual Retirement Arrangements"¹⁵ - Explains the pub, but prefer direct IRS link.

   Chosen 1 (401k limits): Retirement topics - 401(k) and profit-sharing plan contribution limits¹⁴ (from irs.gov)
   Chosen 2 (IRA Publication): About Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs)¹³ (from irs.gov)

3. Limitations/Criticisms:

   • SmartAsset.com: "5 Disadvantages of Saving With a 401(k) Plan"¹² - Good article, lists common criticisms like taxes, inflexibility, early withdrawal penalties.
   • Both Hands Financial Group: "The Hidden Pitfalls of 401(k) Plans: What You Need to Know"¹¹ - Mentions high fees, limited investment options, tax implications.
   • Investopedia: "Is a 401(k) Worth It? What Retirement Planners Need to Know" - Discusses costs, limited options, and tax implications.

   Chosen: 5 Disadvantages of Saving With a 401(k) Plan¹⁰ (from smartasset.com)

I have four strong, verifiable external links from three different domains (dol.gov, irs.gov, smartasset.com). Now I can proceed with building the LINK_POOL and writing the article.

LINK_POOL (Internal - 15 unique, real terms):

1. IRA
2. 401k
3. Roth IRA
4. Traditional IRA
5. Employer-sponsored plans
6. Compounding
7. Asset allocation
8. Diversification
9. Investment vehicles
10. Tax-deferred growth
11. Withdrawals
12. Inflation
13. Financial planning
14. Contribution limits
15. Vesting

External Links (4 verified):

1. History of EBSA and ERISA
2. Retirement topics - 401(k) and profit-sharing plan contribution limits
3. About Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs)
4. 5 Disadvantages of Saving With a 401(k) Plan

Now, I will proceed to write the article following all instructions.
¹²³, ⁴⁵⁶⁷⁸⁹