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Trump Accounts (TA), as established in the One Big Beautiful Bill Act (OBBBA), have two key features. First, they are a tax-deferred savings tool for minors. Funds can grow tax deferred for many years, allowing savers to get started on tax advantaged growth even earlier. Second, they are (tiny) wealth transfer to US Citizens born between January 1, 2025 and December 31, 2028.
Alternative Investments, or “Alt’s” for short, have being gaining popularity for the last decade or so, and now have been in the headlines for some potential problems, particularly in Private Credit. Let’s take a look at what Alt’s are, and why investors may, or may not want to include them in their portfolio.
"Make the most of your regrets; never smother your sorrow but tend and cherish it till it comes to have a separate and integral interest. To regret deeply is to live afresh." Henry David Thoreau
For generations, real estate investors have relied on IRS Section 1031 to do “exchanges” of their investment real estate without causing tax realization. This feature has been one of the pillars that have made real estate investing with taxable (non-retirement) money attractive. Investors can adjust their portfolio to reflect their current needs and the present opportunities while still deferring taxes. What if equity investors could do the same? Now, they can.
The Best Days tend to be interspersed with the worst days and during periods of chaotic market declines.