Charles Schwab has issued eight New Year’s resolutions that investors can apply to their 401(k), with focusing on long-term goals No. 1 on the list. Even if the economy cools and money is harder to come by, Schwab says, “try to avoid reducing or ceasing regular 401(k) contributions.”

Next up is avoiding dipping into savings, followed by: diversify, make use of educational and advice tools or services available, consider target-date funds and other automatic features, look into a Roth 401(k), listen to presidential candidates’ ideas about tax breaks and other retirement savings ideas and, finally, stay on course by periodically reviewing and, perhaps, rebalancing holdings.

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