{"id":62592,"date":"2026-04-01T05:44:25","date_gmt":"2026-04-01T03:44:25","guid":{"rendered":"https:\/\/housesmarketplace.trio-tv.com\/labor-department-rule-would-ease-path-for-riskier-401k-investments\/"},"modified":"2026-04-01T05:44:25","modified_gmt":"2026-04-01T03:44:25","slug":"labor-department-rule-would-ease-path-for-riskier-401k-investments","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/labor-department-rule-would-ease-path-for-riskier-401k-investments\/","title":{"rendered":"Labor department rule would ease path for riskier 401(k) investments"},"content":{"rendered":"
\n

The \u041c\u0438\u043d\u0438\u0441\u0442\u0435\u0440\u0441\u0442\u0432\u043e \u0442\u0440\u0443\u0434\u0430 \u0421\u0428\u0410<\/strong> has proposed a rule that would make it easier for \u0432\u044b\u0445\u043e\u0434 \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u044e<\/a> plan sponsors to include alternative investments \u2014 such as private equity, private credit, real estate and \u043a\u0440\u0438\u043f\u0442\u043e\u0432\u0430\u043b\u044e\u0442\u0430<\/a> \u2014 in workers\u2019 401(k) plans while reducing regulatory burdens and the threat of lawsuits.<\/p>\n

The rule aims to carry out goals that President \u0414\u043e\u043d\u0430\u043b\u044c\u0434 \u0422\u0440\u0430\u043c\u043f<\/a> outlined in an executive order last summer.<\/p>\n

Experts say it could shift some of the trillions of dollars now held in stocks and bonds into more opaque and higher-risk holdings, including private credit.<\/p>\n

The first Trump administration issued guidance in 2020 that effectively gave a green light to incorporating private equity, but the Biden administration later took a more cautionary approach, The New York Times \u0441\u043e\u043e\u0431\u0449\u0438\u043b<\/a> \u041d\u0430 \u044d\u0442\u043e\u0439 \u043d\u0435\u0434\u0435\u043b\u0435.<\/p>\n

The proposal would allow plan overseers to meet fiduciary<\/a> obligations under federal law by following a \u201cprocess-based safe harbor\u201d and evaluating investments using six factors \u2014 including performance, fees, complexity and liquidity.<\/p>\n

\u201cOur goal is to deliver on President Trump\u2019s promise for a new golden age by fostering a retirement system that allows more Americans to retire with dignity,\u201d U.S. Secretary of Labor Lori Chavez-DeRemer said in a statement. \u201cThis proposed rule will show how plans can consider products that better reflect the investment landscape as it exists today. This greater diversity will drive innovation and result in a major win for American workers, retirees, and their families.\u201d<\/p>\n

\u041f\u0440\u0430\u0432\u0438\u043b\u043e<\/a> is subject to a 60-day comment period ending June 1. Proponents say the addition of alternative investments can boost returns and provide diversification \u2014 while critics point to added risks and opacity.<\/p>\n

Dennis Kelleher, CEO of the nonprofit Better Markets<\/strong>, called the proposal dangerous.<\/p>\n

\u201cThe legal immunity created by this safe harbor will incentivize financial advisers to pitch these toxic products,\u201d he told the Times. \u201c(Those) will become ticking time bombs in tens of millions of retirement accounts.\u201d<\/p>\n

Alicia Munnell, a senior adviser at the \u0426\u0435\u043d\u0442\u0440 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0439 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f \u043f\u0440\u0438 \u0411\u043e\u0441\u0442\u043e\u043d\u0441\u043a\u043e\u043c \u043a\u043e\u043b\u043b\u0435\u0434\u0436\u0435<\/strong>, questioned the role of outside influence in drafting the proposal.<\/p>\n

\u201cAs far as I can see, the only party pushing for private equity in 401(k) plans<\/a> is the private-equity industry,\u201d she said. \u201cMoreover, private equity comes with numerous negatives, and our studies on the performance of state and local pension plans show that the addition of private equity has not increased the return or reduced the volatility<\/a> in these plans.\u201d<\/p>\n

Since taking office, the Trump administration has proposed additional uses and funding avenues for 401(k) plans \u2014 including penalty free withdrawals for home down payments and the creation of a retirement savings plan<\/a> for workers without an employer-sponsored account.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

The U.S. Department of Labor has proposed a rule that would make it easier for retirement plan sponsors to include alternative investments \u2014 such as private equity, private credit, real estate and cryptocurrency \u2014 in workers\u2019 401(k) plans while reducing regulatory burdens and the threat of lawsuits. The rule aims to carry out goals that […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-62592","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nLabor department rule would ease path for riskier 401(k) investments - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/labor-department-rule-would-ease-path-for-riskier-401k-investments\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Labor department rule would ease path for riskier 401(k) investments - Houses Marketplace\" \/>\n<meta property=\"og:description\" content=\"The U.S. Department of Labor has proposed a rule that would make it easier for retirement plan sponsors to include alternative investments \u2014 such as private equity, private credit, real estate and cryptocurrency \u2014 in workers\u2019 401(k) plans while reducing regulatory burdens and the threat of lawsuits. 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