President Trump Readies Rule to Make American
Workers’ Retirement Great Again
Breitbart News,
by
The Counsel For Safe
&
Security Retirement
Original Article
Posted By: FlyRight,
2/7/2026 11:54:21 AM
For too long, America’s retirement system has worked for the few, not the many.
Wall Street insiders, wealthy elites, and big public pension funds have built wealth via the private markets – private equity, private credit, and real estate. Meanwhile, hardworking Americans are told to stay in their lane. If you work a regular job and save through a 401(k), you are effectively shut out from greater choice and investment access for your well-earned money.
That’s not an accident. Elites – like Sen. Elizabeth Warren (D-MA) – don’t want this change because it erodes their interests and your opportunity for wealth creation.
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6 people like this.
Reply 2 - Posted by:
franq 2/7/2026 12:55:43 PM (No. 2066113)
Withdrawal after 65 should be tax and penalty free.
38 people like this.
Reply 3 - Posted by:
jeffkinnh 2/7/2026 2:02:10 PM (No. 2066131)
While I agree with the concept, I wonder if most people are ready for the realities of the market. It can be volatile. I have had investments since I was a child through family members setting them up and managing them. I saw a $5000 bank stock become worthless overnight. I saw Joe Biden's economic decisions wipe out 15% of my investments. Most people will panic when those types of things happen. Many people leave their money in Savings accounts or CDs that don't generate enough interest to keep up with inflation. They are slowly but constantly losing money because they are scared that they could lose everything in more risky, but far better earning, investments.
I expect an average 7% earning rate over time. However, what actually happens varies from a 10% loss to a 20% gain. If you make smart investments, you ride out the losses to make the gains. If you are timid, you withdraw from the market when things get scary and you miss the inevitable rebound. Jumping back in once you see the rebound take hold is too late. You have to make smart choices and stay in and ride the tiger. Here's the difference: If you invest $100,000 in a safe CD at 2%, in 30 years you have about $178,000 that's REAL value is less than the $100,000 you started with. If you invest the same amount in reasonably secure stocks and bonds that average a 7% earning rate, you end up with $711,000 but the actual value bounces around over the years. That is real growth, more than inflation.
Can you handle the tiger ride?
My experience is, most people can't face the uncertainty OR they go chasing the BIG WIN and only get the HORRIBLE LOSS.
We deserve to be able to make the choice but it won't fix retirement for many because they are too timid to ride the tiger.
21 people like this.
Reply 4 - Posted by:
DVC 2/7/2026 2:09:16 PM (No. 2066133)
In most 401K plans you can move the money after a few years, keeping it "inside" a 401K tax protection to move it to a private investment firm. I did this regularly over my working career, and was able to get better choices and better returns due, primarily, to professional guidance from my financial advisor team.
If you have matching funds from your employer, often those matching fund have a longer residence time in a company 401K, and often are given only in company shares.
BEWARE of doing your own financial management. especially using "expert advice" from Money Magazine, etc. One of the biggest jobs of a good financial manager is getting a frightened client to NOT pull his investments when "everything is crashing down"....or so the Enemedia is telling you, and "the experts" on TV say that pulling back from stocks is the best option. That's the financial disaster route. Several friends and one relative cost themselves hundreds of thousands this way.
In 2008 when "everything was crashing"....we moved some cash into stocks and bought more at the "on sale prices". Within 18 months our investments were back at the pre-dip values and climbing fast.
Same for the "COVID crash". I did an unusual thing for me, I pulled out what was a year's annual salary for me from our credit union and bought five individual stocks that were severely affected by the stupid government policies.
Restaurant suppliers, and a few others that were sound companies but depressed by COVID fears and government shuttered restaurants. I held those five stocks for 18 months and basically doubled my money. I was CERTAIN that companies like US Foods and SYSCO were going to bounce back and they did. I did this in consultation with my financial advisor, who agreed with my assessment.
BUT, beware.....not everyone s emotionally equipped to ride out market downs, and for many people "more control" means that they'll make a hash of their investments without professional advice.
15 people like this.
Reply 5 - Posted by:
Californian 2/7/2026 3:22:49 PM (No. 2066147)
As others have said, yes you can get higher rates but you also have higher risk.
I put a big chunk of money into one of these private equity funds last year. In that short window I made about 18% vs 12% on my other investments but it could drop to nothing over night, too. I only put money into higher risk investments I feel I can afford to completely lose if the worst happens.
It's a scary world out there. Invest safely. And don't buy crypto.
13 people like this.
Reply 6 - Posted by:
Venturer 2/7/2026 3:25:01 PM (No. 2066149)
One thing is certain, the fake Indian has never done anything to help John Q American Citizen.
13 people like this.
Reply 7 - Posted by:
DVC 2/7/2026 5:01:55 PM (No. 2066164)
Re #2, nice idea, but the agreement for a 401K is 'deferred taxes', not tax free. We have reached the age where we have RMD, Required Minimum Distributions from our 401Ks. We are paying a LOT of taxes now, since the RMDs are larger than our actual income from pension and SS. But, the gain we got from pre-tax investment dollars is well worth the taxes to be paid now that we are proportionally financially better off than we were when we invested.
If Congress would come up with tax free investment accounts, that would be great. But....Congress being thieves, it's not likely to happen, ever.
17 people like this.
As others have indicated above, scribe any 25-year period along the DOW chart and it's up. What concerns me are the yahoos who invest irrationally late in the game, lose everything, and then the dems would get to push a bail-out plan.
8 people like this.
Reply 9 - Posted by:
billa57 2/8/2026 7:19:00 AM (No. 2066287)
This is an extremely good idea considering the lose of traditional pensions and a weakened SS.
2 people like this.
Reply 10 - Posted by:
Rumblehog 2/8/2026 7:34:55 AM (No. 2066294)
The Feds should allow retirees to withdraw their 401k money, tax-free, so long as it is used strictly for paying-off one, and only one, primary residential mortgage. I dreamed this up during the 2008 Sub-Prime Mortgage (fraud) Crisis, as a means of clearing out "good" mortgage paper from tranches bundled with "sub-prime" risky ones. Imagine that, for once all parties could come out a winner, the Banks, the Feds, and especially, the retiree/homeowner.
6 people like this.
Reply 11 - Posted by:
franq 2/8/2026 7:41:08 AM (No. 2066298)
I understand, #7, but a society that really looks after the elderly would look after them financially too.
Taxing Social Security benefits is also a crime. We are triple- and quadruple-taxed on income.
14 people like this.
Reply 12 - Posted by:
anniebc 2/8/2026 8:07:15 AM (No. 2066316)
If we weren't overtaxed none of this would be an issue. Let's start there!
8 people like this.
Reply 13 - Posted by:
Strike3 2/8/2026 8:33:40 AM (No. 2066329)
Reaching that 50,000 mark in the Dow helped as well. Overall, retirement is nice.
4 people like this.
Reply 14 - Posted by:
felixcat 2/8/2026 11:03:51 AM (No. 2066384)
I just think the whole notion of how people save to retire today has to be reviewed and modernized. SS was passed back in the 1930s when there were no 401Ks or TSP, etc. I just don't like that we are forced into contributing to SS and then we get taxed on it when we withdraw it for our retirement.
When I was working, my agency (federal employee) would on occasion host a financial advisor to brief us employees on our retirement options; FERS and the old CSRS retirement system, SS and TSP. When I was asked my plans, my answer was to outlive my husband. Always got a few laughs.
5 people like this.
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