Core Insights - Invesco has launched the Invesco Core Plus Real Estate Trust, a collective investment trust aimed at providing private real estate exposure for defined contribution plans, combining core plus private real estate with passive U.S. REITs for daily liquidity [2][3] - The launch aligns with a broader industry trend to expand private-market options in retirement plans, supported by regulatory changes from the Trump administration to facilitate their inclusion [4] - A survey by Cerulli Associates indicates that 37% of DC plan sponsors are interested in private market investments, with projections suggesting that by 2035, up to 17% of sponsors will allocate to private markets through target-date funds or managed accounts [5] Industry Trends - Private market strategies are increasingly gaining traction among retirement plan sponsors, with Invesco's offering providing a scalable solution for integrating core plus real estate into DC plans [6] - Other asset managers are also responding to this demand; for instance, Goldman Sachs launched a private credit CIT, and State Street Global Advisors introduced target-date funds with private market exposure [6][7] - Empower has partnered with private investment fund managers to offer investments through collective investment trusts, while Blackstone has established a new group focused on retirement account funds [7]

The introduction of private equity into 401(k) accounts is a controversial and much-debated initiative of the Trump administration. A new survey suggests, however, that most rank-and-file Americans seem to like the idea. Two-thirds of registered voters support policies that expand access to private investments in retirement plans, according to a survey from BlackRock, the world’s largest asset manager. Roughly the same share, 64%, think all retirement plans should allow the same investment options, the ...

Core Viewpoint - The private equity industry is increasingly targeting the 401(k) retirement plan market, aiming to offer alternative investments to everyday Americans, with major firms like Apollo, Blackstone, KKR, and Carlyle leading the charge [1][3][5]. Industry Trends - Private equity firms are expanding into the 401(k) ecosystem, seeking to monetize the 70 million 401(k) account holders in the U.S. [4][5]. - The market for U.S. defined-contribution retirement plans is valued at $14 trillion, presenting a lucrative opportunity for private equity firms [5]. - There is a growing interest in integrating alternative investments, such as private equity and real estate, into retirement plans, especially following regulatory changes aimed at easing access [6][18]. Market Dynamics - Interviews with industry professionals indicate a broad push from private equity firms to handle retirement plans and wealth management, capitalizing on the increasing wealth of high-net-worth individuals [2][3]. - The private-asset industry has been lobbying for government support to include alternative investments in 401(k) plans, with recent executive orders facilitating this shift [6][18]. - Despite the push, many 401(k) investors are satisfied with their current options, and only a few plans are considering adding private assets [14][21]. Competitive Landscape - Major firms like Mercer and T. Rowe Price are exploring partnerships to create private-asset funds for retirement accounts, indicating a shift in traditional asset management practices [19][20]. - Smaller private equity firms have acquired over 900 independent firms providing retirement and wealth management services, indicating a consolidation trend in the industry [12]. - Record-keeping firms, such as Empower, are also becoming advocates for alternative investments, launching funds in collaboration with private equity firms [25]. Concerns and Challenges - Some industry participants express concerns that alternative asset managers may prioritize their institutional clients over retail investors, potentially leading to conflicts of interest [9][26]. - The current market conditions show pension funds and endowments pulling back from private equity, raising questions about the sustainability of returns in this sector [10][11].

Key Takeaways The median retirement balance for middle-income workers in their 50s is $112,000, according to Transamerica. Most Americans in their 50s fall well below Fidelity’s suggested target of a 401(k) balance of at least six times salary. Your 50s are prime catch-up years with higher contribution limits. Your 50s are often considered the most important decade for retirement savings. Income is usually at its highest, kids are typically grown, and mortgages are coming off, allowing you to put ...

Core Insights - The article discusses retirement savings, emphasizing that individuals should aim to save eight times their preretirement annual income by age 60, which varies based on personal lifestyle and health factors [1][6] - Baby boomers believe they need an average of $760,000 to retire comfortably, while Gen X expects to need $1.18 million, indicating a significant gap between expectations and actual savings [2][3] Retirement Savings Statistics - The average 401(k) balance for individuals in their 60s was reported at $577,454 as of November 2025, with a median amount of $186,902, highlighting the disparity in retirement savings [5][7] - A survey revealed that 47% of Baby Boomers lack confidence in their ability to retire comfortably, with an additional 11% uncertain about their retirement prospects [3] Retirement Planning Strategies - Individuals can make catch-up contributions to their 401(k), with limits set at $24,500 for 2026, and additional contributions of $11,250 for those aged 60 to 63, totaling $35,750 [12] - Utilizing workplace benefits, such as employer matches on retirement contributions, is recommended to maximize savings [13] - Asset allocation should be adjusted as individuals approach retirement, with a gradual shift from stocks to more conservative investments [15][16] Lifestyle Considerations - Downsizing living situations before retirement can significantly reduce expenses, allowing for increased contributions to retirement accounts [18][19] - Working with a financial advisor can help individuals navigate retirement planning, including understanding the implications of living abroad and tax considerations [22][23]

阿通社2月10日消息，迪拜水电局(DEWA)完成对Empower24亿股收购，持股比例升至80%。该举措强化 了其在区域供冷领域的战略地位，支持迪拜可持续基础设施建设和能源效率提升，符合迪拜长期发展愿 景。 ...

Core Insights - The new "Trump accounts" for children will be initiated with a $1,000 deposit from the U.S. Treasury, with additional contributions from various companies and philanthropists [1][3] - These accounts are designed to encourage early savings for children's futures, with contributions allowed from parents, employers, and others up to $2,500 annually, starting July 5, with a $5,000 cap [2][10] - Charitable organizations and state governments can contribute without counting against the annual limit, with 20 states participating in the initiative [3] Company Contributions - A variety of companies have pledged to match contributions to Trump accounts, including major financial institutions like Bank of America, JPMorgan Chase, and BlackRock [4] - Notable tech companies such as Dell Technologies and Intel are also involved, alongside consumer brands like Chipotle and Uber [8] Philanthropic Engagement - High-profile philanthropists and organizations are contributing to the initiative, with commitments such as $250 for eligible children from families with median incomes below $150,000 [8] - The Citi Foundation has pledged $5 million to enhance program awareness and support enrollment [9] Industry Perspectives - Experts believe that matched savings programs can significantly help families start building assets, with the potential for corporate participation to grow [10][11] - The Trump accounts are seen as a tool to shift the conversation around saving for children's futures, similar to 401(k) plans [10] Comparison with Other Savings Accounts - Trump accounts are compared to existing options like IRAs and 529 plans, with unique features allowing funds to be used for various purposes beyond education [12][14] - While 529 plans have higher contribution limits and tax advantages for education expenses, Trump accounts offer flexibility for home purchases and retirement [13][14]

Reed says it can be a challenge to be the only one left still working among her siblings and friends. They have to plan events around her work schedule.She also can’t afford the $6,000 per year it would cost to insure her home in New Orleans. She’s choosing to risk going without insurance, which means one hurricane could wipe out almost everything she has worked for (1).Today, Reed is on a firmer financial footing. She paid off her house and has income coming in from her two jobs. She receives $3,000 per mo ...

Core Insights - The data indicates that net worth in America increases significantly with age, with the average 50-something American having a net worth of $1.4 million and the average 60-something at $1.6 million, while the average 20-something has only $127,730 [1][2] Wealth Accumulation Factors - Three main factors contribute to the wealth of older Americans: stocks, homes, and time [4] - The S&P 500 has increased by 256% over the past decade, averaging about 13.5% annual growth, which has significantly boosted the net worth of many Americans [4] - Home values have also risen substantially, functioning as a means of building equity over time through mortgage payments and appreciation [7][8] Age-Based Net Worth Breakdown - **20-somethings**: Average net worth is $127,730, with a median of $6,689, often starting with debt from college [13][14] - **30-somethings**: Average net worth is $321,549, with a median of $24,508; many are establishing careers and facing rising expenses [15][16][17] - **40-somethings**: Average net worth is $770,892, with a median of $76,479; this age group begins to see the impact of compounding wealth [19] - **50-somethings**: Average net worth is $1.4 million, with a median of $192,964; peak earning years are common, and many have significant home equity [20] - **60-somethings**: Average net worth is $1.6 million, with a median of $290,920; this group typically has the highest wealth and may be entering retirement [21] - **70-somethings**: Average net worth is $1.5 million, with a median of $232,712; net worth may begin to decline as retirees spend down savings [22]

Group 1 - Retirement savers are interested in investing in private assets within employer-provided retirement plans, but plan sponsors are adopting these options cautiously [1][4] - A report from Cerulli Associates indicates that it will take about a decade for 20% of defined-contribution plans to include target-date products or managed accounts that allocate to private market assets [1] - The appeal of private investments lies in potentially higher returns and diversification, but the actual adoption of these investments is slower than anticipated [2] Group 2 - Concerns regarding fees and potential legal issues are significant factors slowing the adoption of private market assets by plan sponsors, with over 80% citing cost as a major concern [4] - Recent initiatives include Goldman Sachs acquiring a $1 billion stake in T. Rowe Price to facilitate access to private assets for US retirees by mid-2026 through co-branded target-date funds [5] - BlackRock and other major firms like Empower, Voya Financial, and Blue Owl Capital are also planning to offer private equity, credit, and real estate in their retirement portfolios [6]