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August 18, 2025

New 401(k) rule could make you richer — or risk it all

  • The age of “pick a target-date fund and forget about it” is fading.
    • By SAM BOURGI
    InvestorsObserver

    Something big has recently happened in the world of retirement savings, and it's not the kind of dry policy tweak that only lawyers and accountants care about. The White House has told the Department of Labor and the SEC to clear the path for ordinary Americans to put alternative assets — things like private equity, real estate deals, digital assets, and infrastructure projects — into their 401(k)s.

    For decades, this stuff was basically a gated community for the ultra-wealthy and big pension funds. Regular people? We got stocks, bonds, and maybe a couple of vanilla target-date funds. Now the door to that gated investment neighborhood might be swinging open.


     
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