Money Guy Show BIG Changes Are Coming To Your 401(k) - What You Need To Know
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Aug 13, 2025 A new executive order could revolutionize 401(k) plans by allowing alternative investments like private equity and cryptocurrency. The hosts discuss the implications and risks of these changes, especially in relation to fiduciary duties. Listeners ask about tackling student loans, managing credit card debt, and rental property investments. There's a deep dive into the importance of emergency funds and strategic financial planning. Plus, advice on navigating company 401(k) contributions and applying financial strategies for business finance adds valuable insights!
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Executive Order Targets Alternatives In 401(k)s
- An executive order asks the Labor Dept. and SEC to revisit allowing private equity, crypto, and real estate in 401(k) plans.
- Implementation is uncertain and subject to fiduciary duty and regulatory review over ~180 days.
Fiduciary Duty Will Slow Adoption
- Fiduciary duty and trustee liability remain core constraints that will slow or limit adoption of alternatives in plans.
- Plan fiduciaries will decide whether offering alternatives satisfies ERISA responsibilities.
Stick To Core Investments First
- Don't let headlines distract you from core investments like index funds and target-date funds.
- Prioritize getting the market exposure first before chasing complex alternatives.