Retirement Planner: Staying on track with investments

The goal in retirement is to organize investments in such a way that they generate income of roughly 5 percent per year and still gain in value overall to keep pace with inflation. This is not that difficult.  
Let transportation services like Uber and Lyft do the driving.  
"Time is money" is a common cliché in a business context, but that refers to the cost of wasted time. Time instead of money describes a situation in which time is a replacement for money -- a more positive slant on the subject.  
Confusion tends to reign when markets hit record highs. Advisers and brokers trying to be helpful feel compelled to suggest "taking profits" largely to demonstrate that they (advisers and brokers) are being useful. Investors are tempted to act on the advice, remembering how sorry they have been in the past when the market tanked and they later regretted that they weren't sitting on cash to buy back in. Dream on.  
How can a young person new to the workforce be convinced that setting some earnings aside is worth whatever pleasure they might otherwise gain from indulging in poor spending habits -- spending money on just stuff?  
Like brushing their teeth, some people need to check their mutual fund account balances on a daily basis.  
San Francisco's Pacific Research Institute hosted a panel discussion reflecting the thoughts of four free-market adherents -- including Paul Atkins, a former commissioner of the Securities and Exchange Commission.  
The Vanguard fund organization has now eclipsed Fidelity as the world's largest mutual fund company. The score is $2.2 trillion to $1.9 trillion and the gap continues to widen.  
The 1983 movie "Risky Business," starring Tom Cruise, came to mind recently when I heard the report that the inclination to take risk is all about personality more than anything else.  
If I had to choose one reasonably sophisticated book on how to invest money, it would be "A Random Walk Down Wall Street" by Burton G. Malkiel.  
( Lisa Wrenn )
SF IndieFest: 5 films you shouldn't miss

From the inspiring 'F R E E' to the creepy 'Black Mountain Side' to the charming and illuminating 'Beyond Clueless,' IndieFest is packed with low-budget gems.