Some business topics are misunderstood because they're complicated and do not align with the community's perception of their interests. Stripe Atlas worked with Human Interest on a comprehensive guide to retirement plans for U.S. companies: https://stripe.com/atlas/guides/retirement-plans … My thoughts:
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"What should I invest in for retirement?" Low-cost index funds. This could be the best studied result known to science. (I mean that entirely literally. Most papers don't carry a multi-billion dollar bounty available to anyone who demonstrates they don't replicate.)
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Guess what isn't an option in many people's retirement accounts due to principal/agent problems? Low-cost index funds.
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Here's what happens: 1) Employers are insufficiently attentive to contents of plans 2) Retirement account providers can get kickbacks from mutual funds for steering assets 3) The most expensive funds can afford the largest kickbacks 4) Not "Employee has best possible outcome"
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Startup founders are in a much better position than most employers on this score, because they tend to be relatively numerate and because they don't have the principal/agent problem early in the life of the company. It is easy to keep doing the right thing; much harder to start.
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Anyhow: the technology of money is endlessly fascinating. If there are particular business-adjacent parts which seem mysterious to you, drop us a line; we love ideas for new things to write about.
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End of conversation
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