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private markets belong in everyday investment portfolios for those focused on improving retirement outcomes in the defined contribution system the answer remains yes but with an important caveat these investments must be implemented thoughtfully with structures that match their long term nature the news cycle around private credit is real and deserves attention as some retail oriented vehicles are experiencing redemption pressures but it s important to be precise about what s happening the underlying loans are not broadly failing the issue is not fundamentally about credit quality it is about liquidity management in certain fund structures this is not just about private credit it is about private investing more broadly private equity private real estate private infrastructure and whether long term retirement investors should have access to these parts of the economy the department of labor recently took an important step forward by proposing a new framework for 401 k investment selection that includes a clear safe harbor for fiduciaries we view this as a meaningful and constructive development the expansion of private investments into the 401 k system remains an important step toward improving retirement outcomes with the right design the right governance and a clearer regulatory framework plan sponsors now have an opportunity to move forward in a way that is both prudent and forward looking the question isn t whether private markets belong in retirement portfolios the question is how we implement them in a way that is thoughtful disciplined and aligned with the long term interests of retirement savers read more from my opinion piece on thinkadvisor https lnkd in evqzmmh4 private investments are illiquid higher risk and not for all investors informational only not advice or a recommendation more private markets belong in 401 k s thinkadvisor com 696 90 comments like comment share copy linkedin facebook x ethan evans ethan evans is an influencer former amazon vp sharing how i succeeded so that you can too outperform out compete and still get time off for yourself 179 781 followers 1y report this post clear long term plans let me retire as an amazon vp at 50 travel 5 months a year and still make money here s how i did it and how you can apply the same thinking to your own life bill gates once said most people overestimate what they can do in one year but underestimate what they can do in 10 years i agree here are four real long term plans i ve created a 5 year savings plan that let me retire a 10 year travel plan to see the world a 10 year business plan for impact a 40 year health plan to stay fit through age 95 plan 1 retire in 5 years as my career progressed i started thinking about financial independence i followed three simple financial rules throughout my life to make this a possibility 1 live on less than i make 2 invest for the long term 3 max out my 401 k match in my 40s i calculated how much i needed to retire and i realized i was about 5 years away the plan stretched to 7 5 years but i made it even if plans shift having one gives you clarity and options plan 2 a business plan for purpose post retirement i built a 10 year business plan to help others find career success and satisfaction the plan includes scaling my impact and reaching 1 million people like all good long term plans this one evolves but the overarching vision stays constant plan 3 see the world i made a list of everywhere i wanted to go and started planning travel around those dreams galapagos iceland switzerland this is my active years travel plan and it only works because of plan 1 financial freedom but you don t need to be wealthy to travel just committed to a plan budget partner with others and get creative plan 4 be healthy at 95 this is the longest range plan i ve made inspired by dr peter attia s concept of the centenarian decathlon i mapped out what i want to be able to do at age 95 and then worked backward if i want to lift a grandkid off the floor at 95 i need to be strong enough today the details of each of these plans are in my newsletter but before i link that i want to give you some specific tips to create powerful long term plans 1 decide what area to focus on my four plans were financial business travel and health trying to create a single holistic life and career plan at this scale is likely too complex take it on in pieces 2 figure out where you want to be in 5 10 or 40 years what is the ultimate goal 3 work backwards from the end as well as forward from where you are meet in the middle 4 iterate you can draft the plan all in one sitting but these plans benefit from periodic revision i have clarified updated and changed all of my plans once to twice a year the end goals have rarely to never changed but the next steps and priorities within the plan definitely do 5 be flexible the plan exists to help you not to constrain you link https buff ly 03hevz2 readers share your long term plans more 725 108 comments like comment share copy linkedin facebook x sanjay mudnaney 38 years of cutting through noise with storytelling storyteller marketing strategist weekly essays for 17 000 dreamers storytellers 45 901 followers 1y report this post if you re in your 40s and feeling invisible irrelevant or replaceable you re not alone and you re not done yet it is a double whammy we re going to live longer and yet many are getting fired earlier careers are ending in the 40s at a time when responsibilities are at their peak emis school fees aging parents health bills and the harsh truth no one s hiring you unless you re cheap or niche i quit the corporate world at 50 by choice it s been 10 years now of walking a different path of chasing dreams reinventing stumbling learning and helping others do the same so if you ve been laid off at any age or fear that pink slip is near here s what i ve learned take what makes sense leave the rest 1 reinvent your thinking start thinking like a creator don t chase a job start creating value even if you are in a job consult teach write coach or freelance you re building a one person business is still a business be a risk taker no job is safe 2 sell your story not just your skills your experience is not a liability it s a brand learn to tell your story what you stand for why it matters storytelling and marketing are not optional anymore they are survival skills 3 embrace ai before it replaces you ai won t replace people who use it smartly just need to be open and a fundamental shift stay curious be a lifelong learner 4 build a financial safety net before freedom comes the cushion emergency fund 12 months medical and term insurance reduce lifestyle costs start building small passive income streams and stop competing comparing each journey is unique 5 find a support system reinvention is hard doing it alone is harder find people who get it share learnings collaborate be vulnerable even one supportive conversation a week can give you energy to keep going 6 find a good mentor i wish i had one when i started a mentor can be your mirror when you re doubting yourself a pillar when your own voice gives up someone who has walked the path and can hold space for you when you feel lost don t underestimate what a good mentor can do it could change everything 7 build inner strength there will be fear silence rejection that s when inner work begins journaling reflection mindfulness when the outer path is uncertain the inner path is what holds you 8 take charge of your health you can t build your second act if your body is breaking down focus on habits not willpower move daily i found cycling you ll find your thing calm your mind even 10 minutes of meditation helps don t do it alone community matters here too final thought a wave may knock you down but it can also carry you somewhere new if you learn to float don t let a layoff define your end let it become your turning point the second act is calling and this time you get to write it your way fireup more no more previous content no more next content 1 174 110 comments like comment share copy linkedin facebook x ashish singhal ashish singhal is an influencer co founder coinswitch lemonn on a mission to make money equal for all by simplifying investing 39 827 followers 8mo report this post an nri woman made 1 35 crore from mutual funds paid zero tax in india got an income tax notice anyway then won here s how she did it and why most people don t know this exists she lived in singapore tax resident there sold her indian mutual funds 88 75 lakh from debt funds 46 91 lakh from equity funds total capital gains 1 35 crore she filed her itr claimed exemption under article 13 5 of the india singapore dtaa double taxation avoidance agreement her argument singapore doesn t tax capital gains so under the treaty only singapore has the right to tax her and since singapore charges zero she owes zero the income tax department said no mutual funds derive value from indian assets so gains are taxable in india she took it to itat income tax appellate tribunal itat ruled in her favor the key distinction mutual funds are issued by trusts not companies so they re not shares they fall under the residual clause of the dtaa which means taxable only in the country of residence result zero tax now here s where it gets interesting this isn t just singapore india has signed 94 dtaas uae kuwait mauritius switzerland many have similar clauses if you re an nri in a country that doesn t tax capital gains and your dtaa has article 13 5 or a similar residual clause you could legally pay zero tax on mutual fund redemptions in india while a resident indian would pay 12 5 ltcg or 20 stcg on the same gains 1 crore gain 12 5 lakh tax for a resident same 1 crore gain 0 tax for an nri in uae or singapore legally the requirements a valid tax residency certificate trc from your country proof you stayed 183 days there proper itr filing in india claiming dtaa exemption form 10f and supporting docs miss any of this you re paying full tax and if your gains exceed 3 crore gaar general anti avoidance rules might get triggered so this isn t a move abroad and dodge taxes loophole it s a legitimate treaty benefit for people who actually live and work abroad most nris don t know this exists most cas don t push it because it s tedious paperwork and the it department will challenge it like they did here the law is there the treaties exist most people just don t know they can use them more 369 24 comments like comment share copy linkedin facebook x ca sakchi jain simplifying finance from a gen z perspective forbes 30u30 asia 2 5 mn community speaker tedx josh 267 242 followers 1y report this post most senior citizens don t make the most of high fd interest rates for senior citizens fds remain one of the most reliable investment options the assurance of fixed returns with the safety of the principal makes it a go to choice what is even better is that many banks are now offering fd interest rates exceeding 8 allowing seniors to maximize their savings this is what they should consider before investing choose the tenure wisely as premature withdrawals may incur penalties while fds are safe the return could be lower so diversify your portfolio interest earned is taxable under your income slab so opt for tax saving fds check the financial stability especially if it s a smaller private institution fds are always a top pick because most banks offer additional interest rates typically 0 5 to 0 75 to senior citizens unlike market linked investments fds offer guaranteed returns with no exposure to market risks not only this but you can choose fd terms ranging from 7 days to 10 years depending on your financial goals under section 80c of the ita senior citizens can claim deductions of up to 1 5 lakh on tax saving fds with a 5 year lock in so do you have other strategies for maximizing returns in retirement investment fd more no more previous content no more next content 3 162 55 comments like comment share copy linkedin facebook x dr arthur brooks dr arthur brooks is an influencer 1 nyt best selling author vanderbilt professor helping people build happier lives 113 964 followers 1y report this post i ve had four completely different careers every decade i ve stripped my life back to its core reexamined my direction and reimagined my purpose with each reinvention i ve moved closer to the truth of who i am and to the work i believe i was made to do here are the four changes i ve gone through classical musician learned discipline beauty and the cost of perfection economics professor studied human behavior through the lens of financial choice think tank president led ideas with impact at a national scale writer and teacher on happiness now i help others build lives of deep meaning in our early careers many of us chase fluid rewards novel problems fast wins accolades and advancement but as we age something shifts and our minds start to change our priorities evolve and the rewards that once satisfied us begin to feel hollow research shows that as fluid intelligence fades crystallized intelligence the ability to teach synthesize and lead with wisdom rises but to access it we have to let go of who we were and embrace who we re becoming by rebuilding with intention you let go of the ego that says i can t afford to change and listen instead to the voice that asks what am i being called to do next more 1 231 69 comments like comment share copy linkedin facebook x vusi thembekwayo vusi thembekwayo is an influencer vc operator two decades scaling businesses across four continents 3x best selling author on leadership and strategy in africa hundreds of founders scaled millions reached daily 1 050 768 followers 1y report this post when we re young our focus is building wealth taking risks investing aggressively and chasing opportunities that will expand our financial future the mindset is all about growth accumulation and scaling our income streams because time is on our side and we have the energy to rebuild recover and reinvest but as we age and approach retirement the game changes completely the priority shifts from creating wealth to preserving it because at this stage we no longer have the luxury of starting over the ability to take big financial risks diminishes since there are fewer years left to recover from losses instead the focus turns to security sustainability and making sure our wealth lasts for the rest of our lives the ultimate financial wisdom is knowing when to build and when to protect wealth creation fuels your early years but wealth preservation secures your freedom dignity and peace of mind in later years mastering this transition is the key to enjoying the rewards of your hard work without fear of running out more 470 28 comments like comment share copy linkedin facebook x more in retirement income planning addressing pension planning gaps for professionals ages 45 54 best practices for retirement income planning emerging trends and r...