{"id":62455,"date":"2026-03-05T03:00:26","date_gmt":"2026-03-05T02:00:26","guid":{"rendered":"https:\/\/housesmarketplace.com\/trump-401k-plan-if-expanded-could-advance-universal-retirement\/"},"modified":"2026-03-05T03:00:26","modified_gmt":"2026-03-05T02:00:26","slug":"trump-401k-plan-if-expanded-could-advance-universal-retirement","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/trump-401k-plan-if-expanded-could-advance-universal-retirement\/","title":{"rendered":"Trump 401(k) plan, if expanded, could advance universal retirement"},"content":{"rendered":"
\n

A recent op-ed argues that President Donald Trump\u2019s proposal to expand access to 401(k)-style retirement plans could become a meaningful step toward a universal savings system \u2014 but only if it goes further than currently outlined.<\/p>\n

Karl Polzer, founder of the Center on Capital and Social Equity<\/strong>, wrote that roughly half of American workers lack access to an employer-sponsored retirement plan<\/a> with matching contributions.<\/p>\n

He pointed to Trump\u2019s remarks during the \u041e \u043f\u043e\u043b\u043e\u0436\u0435\u043d\u0438\u0438 \u0441\u0442\u0440\u0430\u043d\u044b<\/a> address as an acknowledgment of that gap.<\/p>\n

\u201cHalf of all of working Americans still do not have access to a retirement plan with matching contributions from an employer,\u201d Trump said. \u201cTo remedy this gross disparity, I\u2019m announcing that next year my administration will give these oft-forgotten American workers, great people, the people that built our country, access to the same type of retirement plan offered to every federal worker.<\/p>\n

\u201cWe will match your contribution with up to $1,000 each year, as we ensure that all Americans can profit from a rising stock market.\u201d<\/p>\n

Polzer contended that while expanded access<\/a> is important, it\u2019s insufficient on its own.<\/p>\n

In his view, millions of low-income workers have little or no disposable income<\/a> after covering basic expenses. Without direct contributions or meaningful credits, he argued, a matching program will leave many behind.<\/p>\n

Meeting core tests<\/h2>\n

\u0432 \u0441\u0442\u0430\u0442\u044c\u044f-\u0440\u0435\u0434\u0430\u043a\u0442\u043e\u0440<\/a> published by The Hill, Polzer outlined two requirements he believes any successful reform must meet \u2014 providing funds to save and ensuring accounts are overseen by fiduciaries obligated to act in workers\u2019 best interests.<\/p>\n

He cited reports that the administration may rely on a \u201csaver\u2019s credit\u201d created under the Secure 2.0 Act<\/a> to reach workers with little or no tax liability.<\/p>\n

Polzer called the credit a promising start and suggested it could be modified to deposit several hundred dollars annually into accounts for lower-income earners.<\/p>\n

He also referenced the recent creation by \u041a\u043e\u043d\u0433\u0440\u0435\u0441\u0441<\/strong> of so-called \u201cTrump Accounts,\u201d which seed $1,000 for certain newborns, as evidence that lawmakers can structure direct government contributions when they choose.<\/p>\n

Critique of current tax benefits<\/h2>\n

Polzer sharply criticized the existing retirement savings framework, arguing it disproportionately benefits higher-income Americans. <\/p>\n

Tax deferrals and Roth account advantages \u2014 heavily subsidized by the federal government \u2014 largely accrue to higher earners, he wrote, while many low-wage workers see little or no benefit.<\/p>\n

Citing analysis from the Society of Actuaries<\/strong>, Polzer described the distribution of tax subsidies as \u201cgrossly unfair\u201d and says it contributes to widening wealth inequality.<\/p>\n

National savings framework<\/h2>\n

As an alternative, Polzer reiterated his organization\u2019s 2018 proposal for a national retirement savings system.<\/p>\n

Under that plan, every individual issued a \u0421\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0435 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u0435<\/a> number would receive an account managed by an independent board with fiduciary responsibility<\/a>. The system would complement Social Security and employer-sponsored plans, not replace them.<\/p>\n

Government contributions would be progressive \u2014 larger for lower-wage workers \u2014 and accounts would offer limited investment options similar to those available to federal employees.<\/p>\n

Limited emergency borrowing would be allowed, but most funds would remain protected until retirement.<\/p>\n

Polzer concluded that Trump\u2019s proposal could help move the nation toward what he calls a more inclusive form of capitalism \u2014 but only if policymakers address the structural barriers that prevent low-income workers from building meaningful savings.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

A recent op-ed argues that President Donald Trump\u2019s proposal to expand access to 401(k)-style retirement plans could become a meaningful step toward a universal savings system \u2014 but only if it goes further than currently outlined. Karl Polzer, founder of the Center on Capital and Social Equity, wrote that roughly half of American workers lack […]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-62455","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nTrump 401(k) plan, if expanded, could advance universal retirement - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/trump-401k-plan-if-expanded-could-advance-universal-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trump 401(k) plan, if expanded, could advance universal retirement\" \/>\n<meta property=\"og:description\" content=\"A recent op-ed argues that President Donald Trump\u2019s proposal to expand access to 401(k)-style retirement plans could become a meaningful step toward a universal savings system \u2014 but only if it goes further than currently outlined. 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