A one-time Roth conversion outperforms an equal-installments conversion or sticking with traditional IRAs and 401(k)s—regardless of the balance size and potential tax hit https://t.co/s7KGMp3YBN ...

A one-time Roth conversion outperforms an equal-installments conversion or sticking with traditional IRAs and 401(k)s—regardless of the balance size and potential tax hit https://t.co/JynKjuEZzh ...

A one-time Roth conversion outperforms an equal-installments conversion or sticking with traditional IRAs and 401(k)s—regardless of the balance size and potential tax hit https://t.co/uDRM4Vc8Bd ...

A one-time Roth conversion outperforms an equal-installments conversion or sticking with traditional IRAs and 401(k)s—regardless of the balance size and potential tax hit https://t.co/HRi6myWZnz ...

A one-time Roth conversion outperforms an equal-installments conversion or sticking with traditional IRAs and 401(k)s—regardless of the balance size and potential tax hit https://t.co/rRbSY2wvqQ ...

A one-time Roth conversion outperforms an equal-installments conversion or sticking with traditional IRAs and 401(k)s—regardless of the balance size and potential tax hit https://t.co/cJvLx5pNCr ...

Core Insights - A recent survey indicates that younger Americans, particularly Generation Z and millennials, are increasingly doubtful about the reliability of Social Security as a primary income source during retirement [2] - Only 5% of Generation Z and 16% of millennials with 401(k) plans believe Social Security will be their main income source upon retirement, prompting a shift towards personal investments and 401(k) plans [2] Summary by Category Survey Findings - The survey conducted by Cerulli reveals a significant lack of confidence among younger generations regarding Social Security [2] - The statistics show that merely 5% of Generation Z and 16% of millennials with 401(k)s expect Social Security to be their primary income source in retirement [2] Behavioral Trends - In response to their skepticism about Social Security, younger Americans are increasingly focusing on personal investments and 401(k) plans as their main financial strategy for retirement [2]

401(k)s and pensions are both employer-sponsored retirement plans, but pensions are less common. https://t.co/luvlRYE0af ...

Target Audience & Strategy - Robinhood is shifting its focus from millennials and meme stocks to Gen Z and 401(k)s [1] Business Focus - The company is betting on attracting a younger demographic (Gen Z) and expanding into retirement savings plans (401(k)s) [1]

Company Overview & Strategy - Atomic partners with companies and institutions to offer diverse investing products to their clients, rather than operating as a direct-to-consumer application [1] - Atomic aims to work with retirement plan providers and record keepers to act as the custodian for private market investments within retirement plans [2] - The company's strategy involves enabling access to potentially risky and illiquid private market products within the safety of retirement accounts [2] - Atomic is expanding its mandate to serve traditional financial institutions and companies in different regions globally [12] Market Trends & Opportunities - There's growing demand for private market investments in retirement plans, with a study indicating that 45% of surveyed investors would like to add private assets to their retirement plans [5] - Private credit is gaining traction, but accessibility for mass retail investors remains limited due to accreditation requirements and platform availability [8][9] - Tokenization advancements are potentially increasing liquidity in private market investments, addressing a key concern [4] Financial Performance & Funding - Atomic closed a $30 million funding round with participation from venture capital firms and institutions like Nationwide, Erie Insurance, Intuit, Aquiline, and Brewer Lane [10] - The company has experienced significant growth, with a 52-fold increase in the number of investing accounts served [11] - Atomic has tripled its revenue and now trades $20 billion on an annualized basis [11] Investment Allocation - Practitioners are considering allocating a small slice, around 5% to 10%, of target date funds to private market investments within retirement plans [4]