What happens when private equity enters your retirement account – A CFP tells all

Описание: 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29:20 — The 60/40 portfolio rule is outdated — here's why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:

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