Learn how a core-satellite portfolio strategy balances passive investing with selective tilts to build a resilient, long-term retirement portfolio

Private equity and crypto are being pushed into 401(k) plans as “new opportunities,” but the reality is different. High fees, lockups, and volatility raise serious questions about whether these complex assets belong in retirement accounts designed to be simple, transparent, and liquid.

Private equity is coming to 401(k)s—but is it a good thing? While Wall Street sells the promise of higher returns and diversification, the reality is far more complex. From high fees and illiquidity to questionable valuations, this article explores why private equity may be a poor fit for the average retirement saver.

Asset allocation—how money is divided across stocks, bonds, and cash—is the single biggest driver of long-term returns. This guide explains how to align it with goals and risk tolerance.