Money New retirement-savings law likely to help 401(k) plans, but not IRAs. Here’s why. January 5, 2020 Russ Wiles, Arizona Republic Comments Off on New retirement-savings law likely to help 401(k) plans, but not IRAs. Here’s why. A new federal law has been hailed for its retirement savings reforms. But while it makes tweaks to IRAs, it probably won't make them more popular.