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Presented by Oxford |
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I almost dismissed this the first time I saw it. |
Because an investment account that dates back to 1888 does not exactly sound exciting at first glance. |
But then I looked at who has been quietly using it. |
BlackRock. |
JP Morgan. |
Bank of America. |
And according to the research, this overlooked account has delivered average annual returns of 29% over the last 25 years. |
That got my attention fast. |
Because if something like this has been sitting in plain sight for decades... why have so few ordinary investors heard about it? |
Why is it never mentioned in the same breath as stocks, crypto, or the usual retirement products people get pushed toward? |
Why do the biggest institutions seem to know exactly what it is... while everyone else gets left in the dark? |
That is the question I want you to consider. |
Not because I expect you to take my word for it. |
But because there is a free presentation that lays the whole story out for you. |
It explains what this so-called "29% Account" is, why major financial players have used it for years, and how regular investors may be able to access it with just a few hundred dollars. |
If you are curious, I think this is worth seeing for yourself. |
See the presentation here <<< |
Good investing, |
Marc Lichtenfeld
Chief Income Strategist, The Oxford Club |
This ad is sent on behalf of The Oxford Club. 105 W Monument St, Baltimore, Maryland 21201. If you would like to optout from receiving offers from The Oxford Club please click here. |
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Exclusive Headlines |
The Research Behind Trump Accounts Is 18 Years Old and From Oklahoma |
Before Trump Accounts, there was SEED OK. In 2007, Oklahoma randomly selected thousands of newborns to receive a $1,000 grant deposited in a 529 college savings account. The other half received nothing. Researchers at Washington University in St. Louis have tracked the cohort ever since. |
The results after 18 years are notable. One hundred percent of children in the treatment group still hold assets. College enrollment for the group is tracking toward 64%, compared to the state's typical 40% rate. Lower-income families saw the most pronounced effects on savings behavior and educational expectations. |
The mechanism appears to be psychological as much as financial. Having an account changed how parents thought about their children's futures. It made college feel possible and expected rather than aspirational. One participant, a single healthcare worker in Oklahoma, described the account as "a door that opened" that changed how she and her son approached his education over 18 years. |
Trump Accounts launch July 4 with the same basic structure: a $1,000 Treasury deposit for children born between 2025 and 2028, with annual contributions of up to $5,000 allowed in after-tax dollars. The accounts project to roughly $6,000 by age 18 with no additional contributions, which covers a small fraction of current college costs. |
That gap between the seed grant's psychological value and its financial value is the tension the Oklahoma experiment also revealed. Hayden, the SEED OK participant featured in the story, is enrolling at the University of Colorado Boulder at $66,500 per year all-in. His account covered a fraction of that. Federal loans will cover the rest. The mindset shift was real. The money was not enough. |
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The Race to Become the Operating System for Private Markets |
Private market access for individual investors has grown significantly through platforms like iCapital and CAIS. The next frontier is making that access frictionless enough that independent RIAs actually use it at scale. Administrative burden is still the main barrier. Advisers want to manage public and private investments, billing, and reporting in a single platform. That capability has not existed until recently. |
Altruist, a digital-native custodian for independent RIAs, launched an alternatives marketplace this month with funds from Blackstone, JPMorgan Asset Management, KKR, and Pantheon. The differentiator is full integration: private asset data flows directly into client portfolios alongside public holdings, advisers handle documents and billing without leaving the platform, and partner funds pay no custody fees at launch. The fund selection is narrow by design, starting with established managers before expanding. |
The competitive response is already visible. Schwab completed its $660 million acquisition of Forge Global earlier this year to access pre-IPO share trading. Morgan Stanley lowered transaction fees on EquityZen, its private shares platform. Webull opened pre-IPO share access to accredited investors this week. Fidelity is partnered with iCapital and CAIS while staying quiet about its own marketplace plans. |
The market structure question is whether the incumbent platforms, iCapital and CAIS, or the custodian-native challengers win the RIA relationship. The custodians have an advantage: RIAs already live inside their platforms for public market work. Adding private markets natively removes a login and a workflow. That friction reduction, not fund selection, is the competitive battleground. |
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