Wealthion · Monday, August 10, 2026
Chris Casey recommends diversifying retirement assets not only in type but also in account titling, suggesting a mix of 401(k)s, IRAs, and taxable accounts. He advises against having all money in one type of account due to potential law changes and UBIT issues with leveraged assets in retirement accounts.
“So, for instance, you don't want all your money in IRA. You don't want all your money in 401k.”
“Now, because the reasons I mentioned, I'd be concerned. I mean, that doesn't mean you shouldn't be in them at all. I'm just saying do not be surprised if this comes down the pipe or what have you and they change their laws.”
“For instance, if you had money in retirement account, you know, it's problematic if you try to buy an asset that has leverage, like investing in real estate, right? Your subject to UBIT issues, etcetera.”