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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Vishesh RaisinghaniSun, September 28, 2025 at 7:45 PM GMT+2 5 min readNew rules are expanding what Americans can hold in their 401(k)s and other tax-advantaged retirement accounts.An executive order signed by President Donald Trump has opened the door for certain “alternative assets” — like private credit, private equity, and even cryptocurrencies — to be included in their portfolios. [1]Proponents say this shift “democratizes” access to investment opportunities traditionally reserved for institutions and the wealthy. Critics, however, warn that these assets carry complex risks that may not be properly understood by the average investor.Here’s why America’s retirement landscape is changing — and how to protect your own portfolio from unnecessary risk.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howI'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPTraditionally, alternative assets — such as private equity and hedge funds — were restricted to so-called "accredited investors” who either had a net worth of more than $1 million (excluding their primary residence) or annual income exceeding $200,000, according to the U.S. Securities and Exchange Commission (SEC). [2]However, retail investors have shown growing interest in recent years. A survey by market research firm Opinium found that 21% of retail investors have considered alternative assets, and another 5% plan to invest in them. [3]The most common reason cited was diversification. Many investors are seeking to move beyond traditional stocks and bonds in pursuit of higher returns. However, experts caution that alternative assets can carry complex and less transparent risks that may not be suitable for all investors.Read more: There's still a 35% chance of a recession hitting the American economy this year — protect your retirement savings with these 10 essential money moves ASAPPrivate market funds often advertise higher return potential than traditional stocks and bonds. But in practice, those lofty targets can obscure high fees, limited liquidity, and inconsistent performance.As of May 2025, only two of the 14 private equity and venture capital funds tracked by Morningstar had outperformed the S&P 500 since inception. [4] Meanwhile, typical private equity fees include 1% to 2.5% in annual management fees — plus 20% or more in performance fees, according to Hamilton Lane. 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