Core Viewpoint - President Donald Trump's executive order in August 2025 allows 401(k) investors to access alternative assets, raising the question of whether regular savers should consider these options or stick with traditional investments [1] Pros of Alternative Assets - High return potential: Historically, alternative assets tend to outperform traditional investments, with private equity investing in rapidly growing companies and crypto showing the ability to deliver outsized gains in short periods [4] - Diversification: Alternative assets do not move in tandem with traditional markets, potentially smoothing out portfolio volatility during market downturns [4] - Access to institutional-level growth opportunities: Private equity investments provide early access to assets that were previously reserved for institutional investors [4] - Tax-deferred growth: Some alternative assets can grow tax-free in retirement accounts, potentially increasing after-tax returns [4] Cons of Alternative Assets - Higher fees: Alternative investments often come with management and performance fees that are significantly higher than those of traditional investments, necessitating a careful evaluation of fees versus expected returns [5] - Liquidity lockup: Investments in alternative assets can tie up funds for years, complicating access in emergencies due to existing withdrawal restrictions in retirement accounts [5] - Complexity and risk: Alternative assets require complex due diligence and continuous monitoring, which may be challenging for many investors [5] - Volatility: These investments can experience dramatic value swings, complicating portfolio tracking [5]

Senator Elizabeth Warren is demanding clarity from the Securities and Exchange Commission over the protection of retirement savers, as the Trump administration moves to integrate cryptocurrencies into 401(k) plans. In a letter sent Monday to SEC Chair Paul Atkins, Warren asks how the agency plans to protect investors as regulators reconsider whether cryptocurrencies should be permitted. The review follows an August 2025 executive order by President Trump instructing federal agencies to revisit guidance ...

Pascal Le Segretain / Getty Images Entertainment via Getty Images We are seven days into 2026, and Elon Musk’s net worth is already up $10 billion to $630 billion, according to the Bloomberg Billionaires Index. Tesla Inc.’s (NASDAQ: TSLA) stock price is down so far this year, so the gain cannot be attributed to that. Musk owns about 14% of the electric vehicle maker. 24/7 Wall St. Key Points Elon Musk’s net worth has already increased by $10 billion this year, even though Tesla Inc.’s (NASDAQ: TSLA) s ...

Here’s how to take advantage of the tax and withdrawal rules for Roth 401(k) retirement plans in order to get the most from your investment. https://t.co/ejJdOLjznZ ...

Group 1: Bitcoin Market Dynamics - Bitcoin (BTC) experienced a low of $80,000 with record volumes and ETF outflows, but saw inflows of $238 million on November 21, indicating a potential local low forming [2] - Following the inflows, Bitcoin rebounded to over $87,000, with significant open interest on call options for November 28, 2025, above $88,000 [2] - Traders are hedging positions with puts down to $60,000 strike levels, indicating a cautious approach as they aim to lock in profits before year-end [2] Group 2: Ethereum Market Trends - Ethereum (ETH) is following Bitcoin's upward trend, currently trading above $2,800 but below the critical $3,000 level [3] - Perpetual funding rates for Ethereum are mixed across exchanges, with some like OKX and KuCoin showing negative annualized rates, while Bybit reports nearly 11% annualized [3] - The market is seeing momentum build for Ethereum, suggesting a potential rally could be on the horizon [3]

Discover the differences between qualified and nonqualified retirement plans, including regulations, tax benefits, and which plan might be best for you and your retirement strategy. https://t.co/2rCpls0HE3 ...

Core Insights - The Social Security program in the U.S. is facing significant financial challenges, with projections indicating it will only be able to pay 100% of scheduled benefits until 2033, after which it will cover only 77% of benefits due to demographic and economic factors [2]. Group 1: Social Security Challenges - The Old-Age and Survivors Insurance Fund is projected to be unable to meet its obligations fully after 2033, leading to a potential shortfall in benefits [2]. - Contributing factors to the shortfall include a declining workforce, increasing longevity of retirees, and rising income inequality [2]. Group 2: Retirement Alternatives - Individuals are encouraged to maximize contributions to employer-sponsored retirement plans, with limits set at $23,500 for 401(k) plans in 2025, and additional catch-up contributions available for those aged 50 and over [4][5]. - For those without employer plans, traditional or Roth IRAs are available, with annual contribution limits of $7,000 and an additional $1,000 catch-up contribution for individuals over 50 [7]. - Self-employed individuals or small business owners have the option to establish retirement plans that may allow for higher contributions than standard employer-sponsored plans [8].

Amanda Otter three-year hunt to recover more than $50,000 in missing 401(k) money shows the risks in some small retirement plans. https://t.co/eclQzZoHHs https://t.co/GvaypGJIa8 ...

Retirement Planning - Roth 401(k) retirement plans offer tax advantages and specific withdrawal rules to maximize investment returns [1] Investment Strategies - The industry emphasizes leveraging tax and withdrawal rules associated with Roth 401(k) plans [1]

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