Written on February 22nd, 2025
Americans collectively invested and owned 42.4 trillion in retirement assets as of September 30th, 2024 according to the Investment Company Institute (1). A total of 27.5 trillion was invested in IRA’s and 401k’s. That gives Americans great leverage if they want to use their retirement funds to resist the move to fascism by billionaire “King” Dotard I and his billionaire sidekick Elon Musk, also known as the Ketamine Kid. In this piece, we’ll cover how Americans can invest internationally in their 401k’s to apply pressure on the oligarchs running the US. The last two days were not kind to their imperial ambitions.
You can see the big move down on the right side as Wall Street saw lower economic confidence numbers, an earnings miss by Walmart and United Healthcare, and the general realizationt that tariffs and federal layoffs are not good for profits and growth. The momentum has stalled on a daily chart, and it is about to turn lower on longer timeframes.
Your 401k should have some international options
In one of our former 401k plans there are 20 pre-built options to invest. Eighteen of those invest in American assets, and only two are international. Another option is present to invest on our own, which we’ll cover in more detail in our next piece.
Once you investigate your options, you can contact your 401k trustee to help you make changes for your current and future contributions. How much should you allocate to international investments? Here, you should talk to a good financial advisor or the 401k trustee. In our situation, we moved 100% to international funds, which is probably not what anyone sane would recommend. Ours is more of a principle based play. We missed the last two day slide in the US markets, but our international funds moved slightly down in sympathy and profit taking.
Here’s a quick review of our two international options.
Another option available to us is the aptly named International Equity Fund. No Morningstar information was available for this fund.
It always struck me as odd that less than 5% of the world’s population residing in the US would control over 50% of the investment value in companies worldwide. I don’t believe that is sustainable. The world is too heavily invested in the US and not enough outside the US. The world has opportunities to invest in their people outside investing in America. As we mentioned in our last piece, the oligarchs are aiming to crash the US markets with tariffs and widespread job losses. It’s always worked out for them, they buy companies and assets for cheap and repeat the boom bust Minsky cycle. The US is probably better at stoking asset bubbles than anyehere else in the world is my guess.
By moving our 401k funds to funds investing internationally outside the US, we aim to pressure the oligarchs and support the world during this difficult time. You can consider it our form of protest, boycott and investment ban. Individually we are nothing. Collectively, we have massive power. If enough of us move to international funds outside the US, perhaps it will lead to better investing options and better returns, while lowering returns to the oligarchs in the US. The American people are waking up, and nothing will make them wake up more than seeing their portfolios drop by an unstable, unpopular President. Action is desperately needed.
In our next piece, we’ll detail a fund family we discovered that allows you to invest in individual country exchange traded funds. We are using them to make investments in our IRA’s.
Resistance IS worthwhile.
Sincerely yours,
smilingdad
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(1) Release: Quarterly Retirement Market Data, ICI, https://www.ici.org/statistical-report/ret_24_q3
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