Mode Mobile’s Round 3 Closes Today at $0.50. The $1.75 Trillion SpaceX IPO Lists June 12

The Pre-IPO Door That Used to Stay Closed

For most of modern market history, retail investors got one shot at a hyper-growth company: after the IPO, at the price the institutions had already marked up. Venture capital and Wall Street took the first slice; everyone else paid for what was left. Regulation A+ rewrote that mechanic. It opened a path for ordinary investors to take a position before the public listing — not at insider terms, but before the day-one premium.

What this means for your retirement accounts: When a private company has 490 million users, $115 million in lifetime revenue, has flipped to profitability, holds Deloitte’s #1 ranking for software growth in North America, and has its Nasdaq ticker already reserved — the question isn’t whether the business is real. It is. The question is whether you take a position before the public market sets the price, or after. The first two rounds at $0.50/share sold out. The third closes Friday.

[AD] 59,095+ investors have committed $71.7M+. The previous two rounds sold out entirely. This one closes May 29 at $0.50/share. Mode Mobile — Deloitte’s #1 fastest growing software company in North America — is still pre-IPO. 490 million users. $115M+ lifetime revenue. $11.8M actual EBITDA. Nasdaq ticker $MODE reserved. IPO within 18 months. Kevin Harrington, original Shark Tank investor, backed it. Invest at $0.50 before it closes →

What Separates a Real Pre-IPO Filter From a Story

Most pre-IPO offers fail the same test: a compelling story attached to a company that’s still bleeding cash and praying for the next round. The companies that survive to the public market are the ones that flipped to profitability before the IPO bell. That’s the filter that separates a real position from a hope.

Why this matters if you’re retired or near retirement: Most retail investors will hear about Mode Mobile after the listing — on CNBC, in a brokerage app push notification, in the headline that says “up 80% on first day of trading.” The Americans who understand what is happening are not waiting for that headline. They are positioning before it arrives. This is what threat detection looks like when it works in your favor.

The Biggest IPO in American History Will Move Money You Already Own

SpaceX filed its S-1 on May 20, targeting a Nasdaq listing under SPCX on June 12, 2026 at a $1.75 trillion valuation. The roadshow opens June 4, pricing lands June 11. The underwriters are Goldman Sachs, Morgan Stanley, and Bank of America. This is the largest IPO in American history by a wide margin — and unlike most IPOs, the mechanics are about to spill straight into your retirement accounts.

What this means for your retirement accounts: If your 401(k) or IRA holds an S&P 500 index fund, a total-market fund, or a target-date fund — and statistically, most retirement accounts do — your portfolio is about to have its weighting reshuffled around the largest IPO in history. That reshuffle is decided in the index methodology, not by you. The historical pattern is uncomfortable: 7 of the 10 largest IPOs in history underperformed the S&P 500 from their listing day. Buying at the top of the hype, by mechanical necessity, is what your fund will do whether or not it is the right move. Here is one approach to positioning some of your savings outside that mechanic entirely.

The $1.75 Trillion SpaceX IPO Will Move Your 401(k) This Summer

SpaceX IPO: Your 401(k) Is In The Way

See How To Move It Outside The System

SpaceX goes public this summer. Biggest IPO in American history. Nasdaq quietly changed the rules to fast-track it into the index. The S&P 500 is expected to follow.

Trillions in index funds will be forced to buy it. To make room, they sell other things. Those things are in your IRA. Your 401(k). Your pension.

You will not get a phone call. You don’t get a vote. You never did.

Physical gold works differently. No fund manager can sell it. No IPO can touch it. The IRS allows it inside your IRA or 401(k).

Our free 2026 Gold Guide shows you how. [Tax-free. Penalty-free.] Thirty seconds to request. Before the SpaceX IPO hits your statement.

The Quietest Asset Class in Your IRA Is the One You Probably Don’t Hold

Most retirement-account holders never realize that physical gold is allowed inside an IRA or 401(k). The IRS permits specific bullion coins and bars under Section 408(m)(3), held with a qualifying custodian. The asset sits inside the tax-advantaged wrapper the same way a mutual fund does — but it is not part of any index. No methodology change can force it to be sold. No IPO can rebalance it out. It is the one slice of your retirement account that operates outside the fund-manager mechanic entirely.

Why this matters if you’re retired or near retirement: The point of holding a slice of physical gold isn’t to bet on the price. It’s to own at least one part of your retirement account that doesn’t move when an index methodology changes, when an IPO triggers forced buying, or when a fund manager has to sell what you own to make room for what someone else just listed. The procedure isn’t complicated, but the paperwork has specific custodial requirements — which is the reason guides like this one exist.

SpaceX Lists This Summer. Your 401(k) Doesn't Get A Vote

SpaceX goes public this summer — biggest IPO in American history. Trillions in index funds will be forced to buy it, selling other things to make room. Those things are in your IRA, your 401(k), your pension. Physical gold works differently — the IRS allows it inside your IRA or 401(k), and no fund manager can sell it. Our free 2026 Gold Guide shows you how.

Bottom Line

Two events are landing inside the same window, and both have direct consequences for what your retirement account looks like a year from now. Mode Mobile — Deloitte’s #1 fastest-growing software company in North America, 490 million users, $115 million in lifetime revenue, profitable in 2025, $MODE reserved on Nasdaq — is closing its final Reg A+ round at $0.50/share on Friday, May 29. And SpaceX, filed at $1.75 trillion under SPCX, is set to begin trading June 12 as the largest IPO in American history, with Nasdaq’s index rules amended to fast-track its inclusion. Both are documented. Both will move money.

On the pre-IPO side: 59,095+ investors have already committed $71.7M+ to Mode Mobile. The first two rounds at $0.50/share sold out. The third closes Friday at the same price, with up to 20% bonus shares for larger commitments.

On the defensive side: the SpaceX listing will trigger forced index buying once SPCX enters the major indices, with one analyst estimating $60 billion or more in mechanical purchases. To make room for the largest IPO in history, index funds and ETFs will sell other holdings — the kind of holdings that sit inside your IRA, your 401(k), or your pension. A free 2026 Gold Guide explains how the IRS permits physical gold inside those same accounts under Section 408(m), and how some Americans are using that allowance to position a slice of their savings outside the fund-manager mechanic entirely.

Forget the hot picks — protect what you’ve already built. One window opens before a potential listing; the other moves a piece of your account outside the rebalance entirely. Both reward the same mindset: act before the news catches up, and decide where you stand before someone else decides for you. The Americans who understand what is happening this summer are not waiting for the statement. They are positioning before it arrives. Because the best trade you’ll ever make is the loss you never took.