The Quiet Shift Targeting America’s Retirement Money For decades, retirement accounts were built around a fairly simple structure. When Americans saved into a 401(k) or IRA, their money typically flowed into assets like public stocks, bonds, and index funds—markets that were transparent, liquid, and regulated. You could see the price. You could track performance. And when you needed your money, you could usually get it. But that structure is beginning to change. Policy discussions in Washington and financial lobbying on Wall Street are pushing regulators to open the door for retirement accounts to invest in private equity and private credit markets—the least transparent corner of modern finance. The pitch sounds harmless enough. They say it’s about giving everyday Americans access…
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