Tag: 401(k)

Private Credit: Is This What “Democracy” Looks Like?

E.J. Smith - Your Survival Guy - December 22, 2025

Fund managers want to "democratize" your 401(k) by injecting it with their business development company (BDC) funds. The pitch is, they'll "allow" you to...

Breaking: New Rules on Trillions in IRAs and 401(k)s

E.J. Smith - Your Survival Guy - April 24, 2024

Good news. New rules will govern trillions in IRAs where your interests are put first. Americans will get new protections for money moved out of...

Dividend Paying Stocks and Taxes

E.J. Smith - Your Survival Guy - September 11, 2023

UPDATE 9.11.23: I wrote this to you about ten years ago, and it still applies today as much as it did then. Originally posted September...

Why Rollover Your 401(k)

E.J. Smith - Your Survival Guy - January 26, 2016

You wouldn't be the first person to wonder who in the world comes up with these phrases: "Rolling over your 401(k)." As if investing...

Lawyers 1, Savers 0

E.J. Smith - Your Survival Guy - March 2, 2015

President Obama’s latest financial regulation on retirement accounts will not help savers. But it will help the lawyers. What the White House is trying to...

Your Success is a Choice

E.J. Smith - Your Survival Guy - June 24, 2014

Over the weekend I read an article on the top 50 annuities. It was the weekly feature in a major financial publication. I can...

A Guaranteed Investment

E.J. Smith - Your Survival Guy - December 3, 2013

You know there aren't many guaranteed investments out there today. But If you are a participant in a defined contribution plan, such as a...

Time to Move Public Sector Workers into a 401k

E.J. Smith - Your Survival Guy - July 11, 2013

Any real pension reform in Illinois, and in any state for that matter, should start with 401ks. Workers in the private sector have been...

What’s in Your 401(k)?

E.J. Smith - Your Survival Guy - January 29, 2013

When I worked at Fidelity Investments, I was on the 401(k) side of their business, serving institutional clients such as Fortune 500 companies and...

Pensions on the Brink of Bankruptcy

E.J. Smith - Your Survival Guy - September 13, 2011

Collective bargaining and pensions for public-sector employees should have been history a long time ago. In the private sector, you don’t get tenure for...

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