Latest news with #privateinvestments
Bloomberg
4 days ago
- Business
- Bloomberg
Asia Private Bankers Call for Rethink of 60/40 Portfolio Split
Private market instruments, gold and Chinese yuan are looking increasingly appealing as alternative investments to private bankers in Asia as they push beyond traditional stock and bond allocations. Bankers are calling for investors to rethink the 60/40 portfolio — an investment strategy of allocating to equities and bonds — amid heightened market volatility fueled by US policy whiplash and de-dollarization concerns. The approach has lost some of its luster as its underlying mechanism fell out of whack for extended periods in recent times, with US stocks and bonds moving more in lockstep rather than offsetting each other.
National Post
14-05-2025
- Business
- National Post
Empower to Offer Private Markets Investments to Retirement Plans
Article content Firm aligns with Apollo, Franklin Templeton, Goldman Sachs, Neuberger Berman, PIMCO, Partners Group and Sagard Nation's second largest retirement plan provider opens private market investing to its 19 million plan participants 1 Article content Article content GREENWOOD VILLAGE, Colo. — In a move aimed at expanding investment opportunities for retirement plan participants, Empower is announcing today a new program that will pave the way for private markets investments to be included within defined contribution retirement plans. Article content Empower has aligned with top-tier private investments fund managers and custodians, including Apollo, Franklin Templeton, Goldman Sachs, Neuberger Berman, PIMCO, Partners Group and Sagard. Article content Private investments offered through these firms may be implemented through collective investment trusts (CITs), providing limited exposure to diversified pools of private equity, private credit and private real estate, a structure that is designed to provide liquidity protection and reduced fee exposure. Article content This landmark initiative is designed to provide individuals with access to a broader range of investment options, enabling them to further diversify their portfolios and potentially maximize their retirement savings. Article content 'Empower is making a profound move on behalf of American retirement investors who should have the ability to invest in an asset class that has the potential to diversify their portfolios and offer opportunities for returns in new ways,' said Empower President and CEO Edmund F. Murphy III. 'Like any investment, we believe in the importance of advice and risk mitigation for every investor. These new opportunities offered under an advice model deliver the guardrails necessary to help an entirely new investor class access private investing.' Article content Key Highlights of the Initiative: Article content Access to Private Markets Investments: Participants will be able to invest in private equity, private credit and private real estate funds through their workplace plans, gaining access to investment types that were previously limited to institutional investors and ultra-wealth investors. Diversification for Retirement Portfolios: Private markets have the potential to provide returns from new investment sources compared to publicly traded equities or bonds. By offering access to private markets, Empower enables retirement plan participants to further diversify their retirement portfolios, potentially altering their risk profile and offering new growth opportunities. An Advisory Requirement: Retirement plan participants can only access private market investments through Empower if their employers allow these investments to be made available. Employers must work with an advisor to offer these investments through a managed account platform created in conjunction with Empower. The managed account requirement is offered to match the investment against an individual's risk tolerance and long-term financial goals, among other factors. Enhanced Investment Structure: This offer will complement existing investment choices available in the plan's investment menu. The private investments offered through private investment managers may be accessed through CITs, a structure that provides limited exposure to pools of private equity, private credit or private real estate providing participants with enhanced liquidity features while helping mitigate fee exposure. Article content 'As a leader in private markets, democratizing alternative investing is one of our firm's biggest priorities,' said Franklin Templeton CEO Jenny Johnson. 'By offering private market assets through defined contribution plans, we're providing Americans saving for retirement the opportunity to access to some of the most dynamic and growth-oriented investments available. We're proud to partner with Empower to help clients build secure and prosperous futures, and we're excited to be at the forefront of this transformative change in retirement planning.' Article content By expanding investment options to include private markets, Empower is broadening the investing universe to help grow retirement savings to millions of people. Historically, private markets have shown the potential to be a high-performing asset class but remain largely inaccessible for most retirement plan participants. Article content The move to integrate private markets into 401(k)-type plans comes in response to growing interest from investors seeking to include so-called alternative assets in their retirement plans. Traditionally, private markets investing has been restricted to institutional investors and high-net-worth individuals but Empower is making it accessible to the broader US workforce, helping to expand the playing field in retirement planning. Article content 'We work with 19 million Americans investing for retirement through the workplace retirement system who should have the opportunity to make investments that are outside of public markets,' said Murphy. 'This move is designed to provide more robust retirement options for those who want to take a new approach to their retirement savings.' Article content Recognized as the second-largest retirement services provider in the U.S. 1 by totalparticipants, Empower administers more than $1.8 trillion in assets for 19 million investors 2 through the provision of retirement plans, advice, wealth management, and investments. Connect with us on Facebook, X, LinkedIn, TikTok, and Instagram. Article content Pensions & Investments DC Recordkeeper Survey (2024). Ranking measured by total number of participants as of December 31, 2023. As of March 31, 2025. Assets under administration (AUA) refers to the assets administered by Empower. AUA does not reflect the financial stability or strength of a company. Article content Empower refers to the products and services offered by Empower Annuity Insurance Company of America (EAICA) and its subsidiaries. 'EMPOWER' and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. Article content The information contained herein is being provided for discussion purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy or sell securities. All visuals are illustrative only. Article content Private equity investments are not appropriate for all investors and come with higher risks and fees. Empower assesses an individual's financial situation, investment objectives, risk tolerance, time horizon, liquidity needs, and investment knowledge to determine if such investments are appropriate and require the investor to be an Accredited Investor. Article content Goldman Sachs does not currently offer these products but will be launching them subject to pending internal approvals. Article content Article content Article content Article content Article content Article content
Forbes
14-05-2025
- Business
- Forbes
6 Ideas To Help Weather Market Volatility With Confidence
Steven Furtado, Portfolio Manager and Co-Founder of Savoir Wealth | Driving Financial Literacy and Tailored Solutions for Business Owners. getty Market volatility has become an unavoidable part of investing today. If you've felt unsettled watching markets fluctuate, you're not alone, and the good news is there are practical strategies to help you stay grounded and proactive during uncertain times. As part of an advisory team with an integrated approach to wealth management, covering tax, estate, corporate planning and personal goals, I know that addressing volatility isn't just about riding it out. It's about being intentional with your strategy, staying aligned with your long-term plan and identifying opportunities amid the noise. Here are six ideas to consider that can help manage market uncertainty and volatility. Structured notes are flexible investments that let you define how much risk and potential return you're willing to take. Depending on how they're built, they can offer income, full principal protection, downside protection or an enhanced upside, tailored to your specific goals and market outlook. At my firm we often use them to create a favorable risk-reward setup with clear expectations and even rules-based outcomes. Private investments, like real estate, royalties, infrastructure or private credit, to name a few, don't necessarily move in lockstep with the public markets and typically avoid daily price swings. While they carry their own risks, their lower perceived short-term volatility can offer valuable balance within a broader portfolio, adopting more of a pension-style approach to portfolio composition. Gold and other precious metals have long been viewed as a hedge against inflation, currency fluctuations and geopolitical risk. They tend to perform differently from equities and bonds, making them a strong diversifier in times of market stress. While they may not generate income, their role in preserving purchasing power and reducing overall portfolio correlation can be meaningful. Allocating a small portion of your portfolio to precious metals, either through physical holdings or professionally managed funds, could add resilience to your long-term strategy. Used wisely, derivatives such as put options can help cushion your portfolio during downturns. A put option allows you to sell a stock at a set price, gaining value if the market drops. This can offset potential losses in your holdings without having to sell them, essentially acting as portfolio insurance while keeping you invested for the future. Cash isn't just a safety net; it's a strategic asset. High-interest savings, cashable guaranteed investment certificates (GICs) or short-term bonds can earn solid returns while keeping you nimble. Having liquidity means you can move quickly when new opportunities arise, especially during market pullbacks. Regular investing over time, regardless of market highs and lows, remains one of the most reliable ways to manage volatility. If markets are especially choppy, increasing the frequency of your contributions (from monthly to weekly, for example) can help you better capture value during dips. Of course, each of these strategies comes with trade-offs, and not all are right for every investor. The key is to align any decision with your personal risk tolerance and overall financial plan. In volatile times, your greatest advantage is often a clear, well-integrated strategy, one that balances your short-term peace of mind with long-term financial success. That's where a thoughtful, collaborative advisory team can make all the difference. The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation. Forbes Finance Council is an invitation-only organization for executives in successful accounting, financial planning and wealth management firms. Do I qualify?
