Retire Sooner with Wes Moss How Private Equity, 401(k) Changes, and Emerging Trends May Be Reshaping Retirement Planning
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Oct 23, 2025 Discover how private equity could soon be part of 401(k) plans, reshaping retirement investing. Explore the impact of the FIRE movement and the flexibility a $1 million nest egg can offer. Learn about the nuances between Roth and traditional 401(k) options. Delve into conservative investment strategies and the role of private equity in today’s market. The hosts also provide tips on teaching family wealth values and insights on covered call ETFs for income generation!
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Private Equity Entering 401(k) Space
- Private equity is poised to become a new asset category inside many 401(k) plans, expanding beyond traditional stocks and bonds.
- The Department of Labor and SEC have reopened rules that could let 401(k) plans access private equity exposure for participants.
Private Markets Dominate U.S. Business
- About 87% of large U.S. businesses (by revenue) are private, so private markets cover much of the economy outside public stocks.
- Allowing 401(k) access would let plan participants tap into that broader private-company universe via pooled funds.
Proceed Cautiously With Private Equity
- Be cautious: private equity historically required accredited or qualified investor status and can be illiquid and manager-dependent.
- Treat any 401(k) private equity exposure as a fund-based allocation and evaluate manager skill and liquidity terms carefully.