Is participating in a company stock purchase plan during your final working years smarter than maxing out catch-up traditional 401k contributions?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is participating in a company stock purchase plan during your final working years smarter than maxing out catch-up traditional 401k contributions?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 IRS 401(k) contribution limit age 50 catch-up age 60 63 SECURE 2.0 Roth catch-up threshold Google ↗
IRS employee stock purchase plan ESPP tax treatment qualifying disqualifying disposition Section 423 Google ↗
- Retirement topics - 401(k) and profit-sharing plan contribution limits · irs.gov
- 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 · irs.gov
- Stocks (options, splits, traders) · irs.gov
- Capital gains, losses, and sale of home · irs.gov
- Retirement topics - Catch-up contributions · irs.gov
- Federal Register, Volume 90 Issue 177 (Tuesday, September 16, 2025) · govinfo.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 IRS 401(k) contribution limit age 50 catch-up age 60 63 SECURE 2.0 Roth catch-up threshold OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS employee stock purchase plan ESPP tax treatment qualifying disqualifying disposition Section 423 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |