The Worst Enemy of Your Retirement (and How to Combat It)

There are lots of risks in retirement.  Some you can’t control, like rate of returns and inflation.  However, these risks aren’t the worst enemies of your retirement.

You know what is?

You!

That’s right. You are your own potential worst enemy of your own retirement. Before you hit that back button and get back to reading the news thinking there’s no way you would sabotage your own retirement, let us explain in a quick minute.

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About The Author

Ray LeVitre's picture

Esteemed personal finance pro Ray LeVitre, CFP is author of “20 Retirement Decisions You Need to Make Right Now” and Founder/Managing Partner at Net Worth Advisory Group. This 19+ year industry veteran helps individuals make key financial decisions during that critical yet oft underestimated period transitioning from the workforce into retirement—many of which are irrevocable and profoundly affect one’s financial security and lifestyle for decades beyond. He may be reached online at www.NetWorthAdvice.com.

The Retirement Advice Warren Buffett Would Give You

Planning

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About The Author

Ray LeVitre's picture

Esteemed personal finance pro Ray LeVitre, CFP is author of “20 Retirement Decisions You Need to Make Right Now” and Founder/Managing Partner at Net Worth Advisory Group. This 19+ year industry veteran helps individuals make key financial decisions during that critical yet oft underestimated period transitioning from the workforce into retirement—many of which are irrevocable and profoundly affect one’s financial security and lifestyle for decades beyond. He may be reached online at www.NetWorthAdvice.com.

Fun With Finance: Keep it Joyful and Do it Yourself

Investing can be intimidating.

For one thing, money is undoubtedly serious. We protect ours with triple-encrypted cyber fortresses, passwords so complicated you need a whole separate system (with its own password) to remember them, and even physically, with bullet-proof glass and retina scans.

Money itself offers zero value for food, water, or warmth — unless you burn it — yet we enlist every safeguarding mechanism in our arsenal to protect these flimsy sheets of paper.

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About The Author

The Emotional Businessist's picture

"I like to explore the intersection between emotion and business in the public-profit world. I have observed a natural tension in this space which leads to juicy and provocative conversations. I try to remain detached, stay open-minded, and play devil's advocate to seek and speak the truth."

TheEmoBiz lives in the forest with a spouse, toddler, and dog, has been working in business for over a decade, has a daily spiritual practice, and comes from a family of writers. Follow @TheEmoBiz on Medium and Twitter.
 

The Case Against Socially Responsible Investing

Abstract:

As attractive as it sounds, investing with a bleeding heart only leads to a bleeding portfolio. Socially responsible investing costs both you and the causes you care about a lot of money and goodwill. There are better ways to both invest your money and affect positive change in the world.

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About The Author

James Flannel Guy ROI's picture

Portland, Oregon-based Flannel Guy ROI is a working dude and family man that likes flannel shirts and wants to achieve financial independence a little sooner than most, particularly by making smart spending decisions and living intentionally. 

His overall idea is to look at spending decisions as investments: what decisions will return the most value to you over time? 

Each scenario is evaluated over a 10-year horizon with the following summary statistics:

Present value – what is the total value of your investment and expected returns in today’s dollars?
Return on investment (ROI) – how much of your original investment will you make back?
Payback period – how long will it take you to recoup your original investment?

Learn more at www.flannelguyroi.com

Your Guide to Genocide-Free Investing in 2015

We've torn a new page off the calendar, and as 2015 is unmistakably underway, it is time to consider how we will embrace this year. For those whose finances allow for investing, there is an important update on the work of Investors Against Genocide to encourage U.S. investment firms to develop and implement policies on genocide-free investing (GFI). The goal is to help individual investors avoid investing in companies with ties to genocide and crimes against humanity.

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About The Author

Andrew Mersmann's picture

Andrew is the author of Frommer's global guide to volunteer vacations, "500 Places Where You Can Make a Difference" (Gold Medal Winner from Society of American Travel Writers: Best Guide Book 2010). He spent more than a decade on the editorial team of PASSPORT Magazine. He has volunteered and led teams on service projects around the world, and is honored to be on the boards of directors for the Alisa Ann Ruch Burn Foundation (AARBF.org) and Mentor Artists Playwrights Project (mentorartists.org). Mersmann has been a featured speaker, interview guest, or moderator on several travel talks, from the New York Times Travel Show, Smithsonian Associates, and the 92nd Street Y-TriBeCa to Oprah and Friends, Animal House, and The Focus Group on satellite radio as well as on NY1 television. Past participant at the Clinton Global Initiative and judge for Condé Nast World Changers Conference, he blogs about volunteering and service travel at www.ChangeByDoing.com. As part of the evox television team, he is dedicated to audience engagement, so if you're not engaged, he needs to be thumped on the head (gently)...or at least told (nicely). Twitter: /ChangeByDoing

An Innovative Approach to Fossil Fuel-Free Investing

The Green Alpha approach to fossil fuels and portfolio construction differs from that of other fund managers and divesting activists. As a top-down, global growth equity manager, our approach is to model, envision, and construct sustainable portfolios that we believe represent the "next economy." To clarify, by "'sustainable" we mean the definition according to the original Latin root word sustineo, which refers to something that can persist indefinitely without interruption.

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About The Author

Garvin Jabusch's picture

Garvin Jabusch is cofounder and chief investment officer of Green Alpha ® Advisors, LLC. He is co-manager of the Shelton Green Alpha Fund (NEXTX), of the Green Alpha ® Next Economy Index, and of the Sierra Club Green Alpha Portfolio. He also authors the Sierra Club’s green economics blog, "Green Alpha's Next Economy."

http://sierraclub.typepad.com/gaa/

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An upset businessman overwhelmed by financial concerns.
03/12/2018
There are lots of risks in retirement.  Some you can’t control, like rate of returns and inflation.  However, these risks aren’t the worst enemies of your retirement. You know what is... read more
Colorful stock market readout digital display
01/18/2018
Planning Caught in an extraordinary convergence of unhinged stock market volatility and historically low interest rates on savings, some are rethinking their retirement plans. A study... read more
Close up of ballpoint pen and stock market ratios report.
06/11/2017
Investing can be intimidating. For one thing, money is undoubtedly serious. We protect ours with triple-encrypted cyber fortresses, passwords so complicated you need a whole separate system (with... read more
graphic of street signs reading Money and Bank
02/07/2016
Abstract: As attractive as it sounds, investing with a bleeding heart only leads to a bleeding portfolio. Socially responsible investing costs both you and the causes you care about a lot of... read more
overhead shot of many children from Sudan all in pink shirts
02/01/2015
We've torn a new page off the calendar, and as 2015 is unmistakably underway, it is time to consider how we will embrace this year. For those whose finances allow for investing, there is an... read more
01/11/2014
The Green Alpha approach to fossil fuels and portfolio construction differs from that of other fund managers and divesting activists. As a top-down, global growth equity manager, our approach is to... read more
An upset businessman overwhelmed by financial concerns.
03/12/2018
There are lots of risks in retirement.  Some you can’t control, like rate of returns and inflation.  However, these risks aren’t the worst enemies of your retirement. You know what is... read more
Colorful stock market readout digital display
01/18/2018
Planning Caught in an extraordinary convergence of unhinged stock market volatility and historically low interest rates on savings, some are rethinking their retirement plans. A study... read more
Close up of ballpoint pen and stock market ratios report.
06/11/2017
Investing can be intimidating. For one thing, money is undoubtedly serious. We protect ours with triple-encrypted cyber fortresses, passwords so complicated you need a whole separate system (with... read more
graphic of street signs reading Money and Bank
02/07/2016
Abstract: As attractive as it sounds, investing with a bleeding heart only leads to a bleeding portfolio. Socially responsible investing costs both you and the causes you care about a lot of... read more
overhead shot of many children from Sudan all in pink shirts
02/01/2015
We've torn a new page off the calendar, and as 2015 is unmistakably underway, it is time to consider how we will embrace this year. For those whose finances allow for investing, there is an... read more
01/11/2014
The Green Alpha approach to fossil fuels and portfolio construction differs from that of other fund managers and divesting activists. As a top-down, global growth equity manager, our approach is to... read more