{"id":37287,"date":"2025-07-31T11:18:37","date_gmt":"2025-07-31T18:18:37","guid":{"rendered":"https:\/\/www.itmtrading.com\/blog\/?p=37287"},"modified":"2025-07-31T11:21:40","modified_gmt":"2025-07-31T18:21:40","slug":"wall-sreet-retirement-risky-debt-credit","status":"publish","type":"post","link":"https:\/\/www.itmtrading.com\/blog\/wall-sreet-retirement-risky-debt-credit\/","title":{"rendered":"Risky Private Credit Cleared for 401(k) as Defaults Begin to Climb"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">Wall Street is slipping private credit into your retirement. Learn why this dangerous move threatens your future and how gold can protect you.<\/p>\n<p><strong>How Private Credit Enters Your Retirement<\/strong><\/p>\n<p>Goldman Sachs recently announced a new private credit product for retirement plans. But this isn&#8217;t some transparent, regulated investment.<\/p>\n<ul>\n<li>It&#8217;s structured as a <strong>Collective Investment Trust (CIT)<\/strong>, which isn&#8217;t regulated by the SEC<\/li>\n<li>CITs are overseen by bank regulators\u2014yes, the same banks profiting off these products<\/li>\n<li>This structure offers <strong>less disclosure, less oversight, and more risk<\/strong> for you, the investor<\/li>\n<\/ul>\n<p>Why the push now? Loosened regulations are opening the floodgates. BlackRock, Invesco, and others are following suit, racing to monetize retirement accounts before the next downturn.<\/p>\n<p><strong>What Is Private Credit and Why It\u2019s So Dangerous<\/strong><\/p>\n<p>Private credit refers to loans made outside traditional banking channels, often by <strong>shadow banks<\/strong>. These loans are:<\/p>\n<ul>\n<li><strong>Illiquid<\/strong> (hard to sell)<\/li>\n<li><strong>Opaque<\/strong> (no real-time pricing)<\/li>\n<li><strong>High-risk<\/strong> (vulnerable in downturns)<\/li>\n<\/ul>\n<p>Since 2008, private credit markets have exploded as banks tightened lending standards. Now, Wall Street wants to <strong>offload that risk onto your retirement<\/strong> portfolio.<\/p>\n<p><strong>Haven&#8217;t We Seen This Before?<\/strong><\/p>\n<p>Repackaging high-risk loans and slipping them into consumer investment vehicles? Sound familiar?<\/p>\n<ul>\n<li>In 2008, they called them <strong>mortgage-backed securities<\/strong><\/li>\n<li>Today, it&#8217;s <strong>private credit<\/strong> wrapped in CITs<\/li>\n<\/ul>\n<p>This time, the stakes are even higher:<\/p>\n<ul>\n<li><strong>No mark-to-market pricing<\/strong> means you won&#8217;t know the true value until it&#8217;s too late<\/li>\n<li><strong>Retail investors are the exit strategy<\/strong> for big firms trying to unwind risky positions<\/li>\n<li>And your financial advisor? They might not even understand what you&#8217;re being sold<\/li>\n<\/ul>\n<p><strong>Real Economy, Real Danger: Mortgages, Credit Cards, and Auto Loans<\/strong><\/p>\n<p>Private credit isn&#8217;t just about mid-size business loans anymore. It&#8217;s now funding key pillars of everyday life:<\/p>\n<ul>\n<li><strong>Mortgages<\/strong><\/li>\n<li><strong>Credit card debt<\/strong><\/li>\n<li><strong>Auto loans<\/strong><\/li>\n<\/ul>\n<p>With delinquencies rising and household debt soaring, these loans are getting riskier by the day. If defaults spike, retirement portfolios could take a direct hit\u2014and you might not even see it coming.<\/p>\n<p><strong>Gold &amp; Silver: Real Protection Outside the System<\/strong><\/p>\n<p>When Wall Street moves this aggressively, it&#8217;s a warning. They&#8217;re desperate for yield, and they don&#8217;t care who holds the risk. That should terrify anyone relying on their retirement account.<\/p>\n<p>Physical <strong>gold and silver<\/strong> offer what these exotic vehicles can&#8217;t:<\/p>\n<ul>\n<li><strong>True wealth preservation<\/strong><\/li>\n<li><strong>No counterparty risk<\/strong><\/li>\n<li><strong>Tangible assets<\/strong> outside Wall Street&#8217;s games<\/li>\n<\/ul>\n<p>As an <strong>inflation hedge<\/strong>, and a <strong>dollar alternative<\/strong>, gold stands tall where private credit collapses.<\/p>\n<p>This isn&#8217;t just bad investing\u2014it&#8217;s financial engineering designed to siphon fees and dump risk onto everyday Americans.<\/p>\n<p>Know what&#8217;s in your retirement plan.<\/p>\n<p>Diversify outside their system.<\/p>\n<p>And above all, <strong>protect your wealth before the next crisis makes it too late.<\/strong><\/p>\n<p><strong>About ITM Trading<\/strong><br \/>\nITM Trading has over 28 years of experience helping clients safeguard their wealth through personalized strategies built on physical gold and silver. Our team of experts delivers research-backed guidance tailored to today\u2019s economic threats.<\/p>\n<p><strong>THINKING ABOUT PURCHASING GOLD &amp; SILVER?<\/strong><br \/>\nGet expert guidance from our team of analysts with 28+ years of experience.<br \/>\n&#x1f449; <a href=\"https:\/\/calendly.com\/itmtrading\/youtube?utm_content=TK07242025\" target=\"_blank\" rel=\"noopener\">[SCHEDULE YOUR CALL HERE]<\/a> or call 866-351-4219<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wall Street is slipping private credit into your retirement. Learn why this dangerous move threatens your future and how gold can [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":37298,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2684],"tags":[89,1720,2085,2143,2171,2716,2831,3009,3010,3013,3796,4602,4758,5031,5567,5617,5713,5717,6733,6734,6735,6736,6737,6738,6739],"class_list":["post-37287","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-taylor-kenney-itm-trading","tag-itm-trading","tag-cbdc","tag-monetary-reset","tag-digital-dollar","tag-programmable-money","tag-taylor-kenney","tag-wealth-protection","tag-crypto-regulation","tag-stablecoins","tag-dollar-devaluation","tag-inflation-protection","tag-us-debt-crisis","tag-us-dollar-collapse","tag-gold-and-silver-investing","tag-financial-surveillance","tag-fiat-currency-failure","tag-economic-collapse-2025","tag-systemic-financial-risk","tag-tether-stablecoin","tag-treasury-market-collapse","tag-federal-reserve-control","tag-genius-act-stablecoins","tag-usdt-risk","tag-digital-currency-future","tag-crypto-risks"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts\/37287","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/comments?post=37287"}],"version-history":[{"count":3,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts\/37287\/revisions"}],"predecessor-version":[{"id":37299,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/posts\/37287\/revisions\/37299"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/media\/37298"}],"wp:attachment":[{"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/media?parent=37287"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/categories?post=37287"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.itmtrading.com\/blog\/wp-json\/wp\/v2\/tags?post=37287"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}