A new executive order could radically reshape retirement investing by allowing private equity, crypto, and gold in 401(k) plans. This episode examines the factors driving the demand for alternative assets in defined-contribution plans, the potential risks to everyday investors, and why fiduciary rules and financial literacy gaps still matter. Show Notes Trump Executive Order to Help Open Up 401(k)s to Private Markets by Miriam Gottfried, Dylan Tokar, and Matt Wirz—The … [Read more...]
497: How to Fix the Retirement Savings Crisis
Why 401k and other defined contribution schemes are flawed, leading to a generation of workers unprepared for retirement. What are the solutions to fix the mess. Topics covered include: Why 401k and other defined contributions haven't worked, despite their popularity Why defined benefit pension plans declined Why 401k plans are treated like emergency funds How to combine the best of 401k and defined benefit pension plans Show Notes The Shift that Redefined … [Read more...]
453 Plus: Investing in Mortgage Backed Securities and Mortgage REITs, Old 401k Plans
In Plus episode 453, we explore the current environment for mortgage-backed securities and why mortgage REITs are struggling. We discuss the options of what to do with 401k plans held at former employers. … [Read more...]
441: What If Social Security Had Been Privatized?
In 2005, Congress debated giving U.S. workers private savings accounts to invest their Social Security contributions in the stock and bond markets. Sixteen years later, we review how that would have worked out for workers. Topics covered include: How the public and private sectors are both critical for a functioning social security systems Which countries pay the highest social security benefits How have other privatized social security plans worked out around the world How … [Read more...]
83: Please Save More
Why individuals need to save more for retirement and how to figure out how much more you should save. In this episode you'll learn: How life expectancies have changed over the decades.Why traditional defined benefit rose in prominence and then declined.How much should you save to retire.Why most retirees might eventually need the help of an annuity. Show Notes A Timeline of the Evolution of Retirement In the United States Bureau of Labor Statistics - Cost of … [Read more...]
MNY072 Plus: Adjusting Allocations In 401k Plans
This week's Money For the Rest of Us Plus episode briefly discusses one solution to income inequality. We also explore whether employees should adjust their portfolio allocations based on market conditions within their defined contribution retirement plans, such as 401k plans in the U.S. The episode length is 13 minutes. … [Read more...]
