ASV prezidents Donalds Tramps cenšas atvieglot amerikāņiem pensiju uzkrājumu izmantošanu ieguldījumiem kriptovalūtās, privātajā kapitālā, nekustamajā īpašumā, zeltā un citos netradicionālos aktīvos.
Ceturtdien viņš lika regulatoriem meklēt veidus, kā mainīt noteikumus, kas varētu atturēt darba devējus no šādu piedāvājumu iekļaušanas darbavietas pensiju kontos, kas ASV pazīstami kā 401ks.
Šis solis ir paredzēts, lai galu galā sniegtu ikdienas darbiniekiem jaunu piekļuvi ieguldījumiem, kas iepriekš bija paredzēti turīgām personām un iestādēm, vienlaikus atverot iepriekš neskartus finansējuma avotus uzņēmumiem šajās jomās.
Tomēr kritiķi apgalvo, ka tas varētu palielināt riskus uzkrājējiem. Lielākā daļa darba devēju ASV nepiedāvā tradicionālās pensijas, kurām ir garantēta izmaksa pēc aiziešanas pensijā.
Tā vietā darbiniekiem tiek dota iespēja daļu no savas algas iemaksāt ieguldījumu kontos, un darba devēji parasti veic papildu iemaksas.
Valdības noteikumi vēsturiski ir uzlikuši uzņēmumiem, kas piedāvā kontus, par atbildīgiem par tādu faktoru kā risks un izdevumi ņemšanu vērā.
Iepriekš darba devēji ir izvairījušies piedāvāt tādus ieguldījumus kā privātais kapitāls, kuriem bieži vien ir augstākas maksas un mazāk informācijas atklāšanas prasību nekā publiskiem uzņēmumiem, un tos var būt grūtāk pārvērst skaidrā naudā.
Rīkojums dod Darba departamentam 180 dienas noteikumu pārskatīšanai, un eksperti norāda, ka visas izmaiņas, visticamāk, nebūs jūtamas nekavējoties.
Taču tādi ieguldījumu pārvaldības giganti kā State Street un Vanguard, kas pazīstami ar saviem pensiju kontiem, jau ir paziņojuši par partnerību ar tādiem alternatīvo aktīvu pārvaldniekiem kā Apollo Global un Blackstone, lai sāktu piedāvāt uz privāto kapitālu orientētus pensiju fondus.
Trampa personīgās biznesa intereses ietver uzņēmumus, kas iesaistīti ar kriptovalūtām un ieguldījumu kontiem.
Darba departaments maijā atcēla 2022. gada vadlīnijas, kas mudināja uzņēmumus ievērot “ārkārtīgu piesardzību”, pirms tie pievieno kriptovalūtas ieguldījumu izvēlnēm pensiju kontos.
Trampa pirmā termiņa laikā Darba departaments izdeva vadlīnijas, kuru mērķis bija veicināt pensiju plānu ieguldīšanu privātā kapitāla fondos, taču bažas par tiesvedību ierobežoja šo vadlīniju izmantošanu, un bijušais prezidents Džo Baidens vēlāk tās atsauca.
0y56a5
Thanks for taking the time to break this down step-by-step.
You have a real gift for explaining things.
This topic really needed to be talked about. Thank you.
https://shorturl.fm/AIUgZ
I’ll definitely come back and read more of your content.
Thank you for putting this in a way that anyone can understand.
This was really well done. I can tell a lot of thought went into making it clear and user-friendly. Keep up the good work!
I enjoyed every paragraph. Thank you for this.
Your breakdown of the topic is so well thought out.
Such a thoughtful and well-researched piece. Thank you.
I really needed this today. Thank you for writing it.
I love the clarity in your writing.
Your articles always leave me thinking.
Very relevant and timely content. Appreciate you sharing this.
I’ve bookmarked this post for future reference. Thanks again!
This post gave me a new perspective I hadn’t considered.
Great points, well supported by facts and logic.
You’ve done a great job with this. I ended up learning something new without even realizing it—very smooth writing!
I enjoyed your perspective on this topic. Looking forward to more content.
I never thought about it that way before. Great insight!
This content is gold. Thank you so much!
Such a simple yet powerful message. Thanks for this.
I love how practical and realistic your tips are.
I always look forward to your posts. Keep it coming!
I’ve gained a much better understanding thanks to this post.
Thanks for addressing this topic—it’s so important.
This post cleared up so many questions for me.
Such a simple yet powerful message. Thanks for this.
This was really well done. I can tell a lot of thought went into making it clear and user-friendly. Keep up the good work!
I love the clarity in your writing.
Your writing style makes complex ideas so easy to digest.
I’ve gained a much better understanding thanks to this post.
You made some excellent points here. Well done!
I love how practical and realistic your tips are.
Your writing style makes complex ideas so easy to digest.
What an engaging read! You kept me hooked from start to finish.
You made some excellent points here. Well done!
This is exactly the kind of content I’ve been searching for.
Your breakdown of the topic is so well thought out.
I love how practical and realistic your tips are.
You really know how to connect with your readers.
I like how you kept it informative without being too technical.
This was so insightful. I took notes while reading!
I’m definitely going to apply what I’ve learned here.
This post cleared up so many questions for me.
What I really liked is how easy this was to follow. Even for someone who’s not super tech-savvy, it made perfect sense.
What I really liked is how easy this was to follow. Even for someone who’s not super tech-savvy, it made perfect sense.
I wasn’t expecting to learn so much from this post!
You’ve done a great job with this. I ended up learning something new without even realizing it—very smooth writing!
What I really liked is how easy this was to follow. Even for someone who’s not super tech-savvy, it made perfect sense.
You clearly know your stuff. Great job on this article.
You write with so much clarity and confidence. Impressive!
The way you write feels personal and authentic.
Very relevant and timely content. Appreciate you sharing this.
I’ll be sharing this with a few friends.
I wasn’t expecting to learn so much from this post!
This was really well done. I can tell a lot of thought went into making it clear and user-friendly. Keep up the good work!
I learned something new today. Appreciate your work!
Great job simplifying something so complex.
I agree with your point of view and found this very insightful.
I’ve read similar posts, but yours stood out for its clarity.
I enjoyed every paragraph. Thank you for this.
Your articles always leave me thinking.
You bring a fresh voice to a well-covered topic.
https://shorturl.fm/3x9f0
You’ve built a lot of trust through your consistency.
I’ve gained a much better understanding thanks to this post.
I’ve read similar posts, but yours stood out for its clarity.
You explained it in such a relatable way. Well done!