@joshprueter Issueing new junk debt to service old junk debt isn’t a Ponzi scheme.
It’s just a bad idea.
Probably about as bad of an idea as issuing junk debt to buy nonproductive assets with the plan to never sell the asset.
@idealust For 401k your SOL unless yours had a lot of fund to select from.
Outside of 401k pick dimensional or avantis funds they are a bit more picky on who they let in. IPOs need to season, and they filter for the fama French factors.