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The History and Inadequacy of the 401(k): What Went Wrong with America's Retirement Plan

Investor's Journal Team Published on: 10/04/2025

When the 401(k) was introduced in the late 1970s, it wasn’t meant to replace pensions—it was meant to supplement them. Born out of a little-noticed section of the Revenue Act of 1978 (Section 401(k)), it allowed employees to defer compensation tax-free into a retirement account. The idea was simple: give workers a tax break for saving, and employers a lower-cost benefit option.

How Tariffs Threaten the Retirement Budget: What Every Retiree Needs to Know

How Tariffs Threaten the Retirement Budget: What Every Retiree Needs to Know

Investor's Journal Team
Published on: 01/05/2025

As the U.S. ramps up tariffs in a bid to protect domestic industries and combat foreign trade imbalances, there’s an overlooked casualty: the retiree on a fixed income. While tariffs may seem like a geopolitical tool wielded far from home, their impact is increasingly personal—especially for older Americans who can’t just “earn more” to keep up.

Markets
Wealthy Investors' Strategic Shifts Amid Market Volatility

Wealthy Investors' Strategic Shifts Amid Market Volatility

Investor's Journal Team
Published on: 10/04/2025

Over the past 30 days, the financial landscape has been marked by significant movements among wealthy investors and hedge funds.

InvestmentsMarkets
Market Roundup (April)

Market Roundup (April)

Investor's Journal Team
Published on: 10/04/2025

Over the past three weeks (from mid-March to early April 2025), the U.S. stock market has experienced a rollercoaster of activity.

Markets