Is Wall Street Hijacking Your 401(k)? The Truth About Private Equity & Crypto скачать в хорошем качестве

Is Wall Street Hijacking Your 401(k)? The Truth About Private Equity & Crypto

Are private equity, private credit, and crypto coming to your 401(k)? And if they do, should you invest? In this episode, Jean Chatzky sits down with CFP® and Summit Place Financial founder Liz Miller to break down the new push to allow alternative investments, such as private equity, private credit, and cryptocurrency, in retirement accounts. In This Episode We Cover: What private equity and private credit actually are (in plain English) Why Wall Street is eager to bring alternative investments into 401(k)s The truth about private equity fees (including the “2 and 20” model) How much crypto is reasonable in a diversified portfolio Tax pros and cons of holding crypto in a 401(k) vs. a brokerage account Why illiquidity matters in retirement investing Chapters: 00:00 — Private equity returns: is it really worth it? 01:12 — Welcome to Her Money 01:50 — Why alternative assets are entering 401(k)s 03:16 — Meet Liz Miller, CFP & CFA 05:21 — What the Trump executive order actually means 06:25 — Wall Street's real motive behind this push 07:16 — What makes an investment "alternative"? 08:57 — Private equity vs. private credit explained simply 10:32 — How these funds will work inside your 401(k) 11:55 — Which providers will roll them out first? 12:24 — The fee problem: 2-and-20 in your retirement plan 13:35 — Should crypto be in your 401(k)? 16:21 — Blockchain's promise vs. reality 17:42 — How much crypto is too much? 18:36 — How to find the right financial advisor 19:32 — Red flags it's time to leave your advisor 20:26 — How to fire your financial advisor (it's easier than you think) 21:42 — How soon will this actually happen? 22:24 — Q&A: Crypto in a 401(k) for tax advantages? 25:09 — Q&A: Is it too late to add private equity at 59? 26:31 — Q&A: Will private equity fees be hidden in your plan? 29:20 — The 60/40 portfolio rule is outdated — here's why 32:12 — Wrap-up and final takeaways Resources & Links: 🧠 Join the HerMoney InvestingFixx Club: https://join.investingfixx.com/ 💬 Got a question for our next mailbag? Email us at mailbag@hermoney.com 🎧 Listen to the full episode on Apple Podcasts, Spotify, or wherever you get your podcasts: https://pod.link/1098802558 ❤️ Liked this episode? Give it a thumbs up and share with a friend who needs to hear it.