Retirement pyramid

InvestmentNews and Financial Planning square off: which version of the retirement pyramid do you like best? Cast your vote now.

By Ellie Zhu — July 9, 2018

In May, Anthony Isola (Twitter: @ATeachMoment), head of the Educator/403(b) Division at Ritholtz Wealth Management, sketched what he himself admitted was a "semi-barbaric" version of a retirement pyramid. He was inspired, he said, by a Wall Street Journal column written by Benjamin Harris (Twitter: @econ_harris), a visiting associate professor at the Kellogg School of Management and former chief economist to Vice President Joe Biden.

“Imagine if Americans had a retirement pyramid on their refrigerator,” Mr. Isola wrote on his personal blog, A Teachable Moment. "Sadly, we have a food pyramid (which most of us ignore), but no evidence-based guidelines for our retirements."

Josh Brown (Twitter: @reformedbroker), the CEO of Ritholtz, then tweeted a picture of Mr. Isola's pyramid, along with a challenge to artists everywhere to take a crack at reconceptualizing Mr. Isola's proposed hierarchy.

Our colleagues at Financial Planning magazine accepted that challenge and, now, so have we. We reached out to our friends at Financial Planning to ask if they'd be up for a little friendly competition. They are.

So, now it's up to you. Cast your vote for the retirement pyramid you like best: InvestmentNews' or Financial Planning's.

Oh, and btw, the challenge included making a 70's-80's punk band reference.

Click to vote

Avoid at all costs
NO!
Financial Sales People
Mingling Politics with Investing
Permanently losing capital
Market Timing
  • Financial Sales People
  • Mingling Politics with Investing
  • Permanently losing capital
  • Market Timing
Moderation at best
CURRENT EVENTS ACCOUNT MONITORING
  • Checking your account balance frequently
  • Watching financial media
  • Worrying about your finances
Use Freely
COMPOUND INTEREST
SAVE!
SAVE!
SAVE!
SAVE!
  • Increasing your savings rate
  • Dollar cost averaging
  • Avoiding unnecessary investment friction (taxes and expenses)
  • Diversify your assets and income
Indulge!
INVEST IN YOURSELF
  • Acquire skills to increase income!
  • Focus on long term, beneficial learning habits
  • Establish healthy eating and exercise habits
Editor: Frederick P. Gabriel Jr.
Art direction: Scott Valenzano; Kyung Yoo-Pursell; Pablo Turcios
Web development: Ellie Zhu
Acquire skills to increase income!
Focus on long term, beneficial learning habits
Establish healthy eating and exercise habits
Editor: Frederick P. Gabriel Jr.
Art direction: Scott Valenzano; Kyung Yoo-Pursell; Pablo Turcios
Web development: Ellie Zhu
X

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