Deciding how to invest your money for retirement is a lot like figuring out which fuel to use for a mission to Mars.
Before you can build a colony on the red planet, you have to figure out how you’re going to get there. One of the first decisions faced by mission control is coming up with a fuel strategy that will get the crew to their new home on Mars.
There are three different schools of thought on this puzzle. Some experts recommend a fuel called RAPTOR X-3, a volatile, high-yield propellant. There’s no fuel on the market that provides a higher speed with less weight, meaning you can build a sleeker, lighter, and faster rocket. RAPTOR X-3 gives you the most bang for your buck, but the unstable nature of the liquid means that the tiniest problem could cause the whole ship to explode. If even a minuscule asteroid clips the hull, or if the mission’s engineers make the slightest mistake in the engine room, your colony could blow up in your face before it’s ever planted.
Other scientists suggest MEGA FG, a stable but heavy fuel. Your rocket would have to be weightier, larger, and slower, but it would be substantially safer. However, it would take a massive amount of this solid fuel to reach the red planet, and it could take lifetimes to do so. Plus, the expense involved in stockpiling that much fuel is all but cost-prohibitive.
The third camp posits that the best way to get to Mars is to mix the two fuels, thereby getting the benefits and overcoming the drawbacks of both. Your ship could be mid-sized and fly at a reasonable speed without quite as much risk. But within this camp there is disagreement about the right proportions of RAPTOR X-3 and MEGA FG to use.
You’ll face similar challenges when deciding how to invest your money. You could put it in the stock market, but that opens you up to a lot of risk—your retirement savings could go up in smoke at any time. You could opt to put it in bank accounts and CDs, but you’ll have to stockpile an awful lot of cash without much help from interest. Conventional wisdom says to balance your portfolio with stocks, bonds, bank accounts, and CDs, but is that really enough to attain a retirement fund that’s sustainable? Let us help you figure out how to Future Proof your assets.