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Musings of a Retirement Trajectory



After graduating from UC Berkeley, Victor Rose started working in the retirement world via Carlson, Quinn & Associates. He found his way to Ubiquity Retirement + Savings, formerly The Online 401(k) in 2009 and his world has never been same. He transitioned into his role as Project Manager and enjoys the intricacies of special projects and the joys of working with others towards the ultimate goal of providing our clients with an excellent savings experience. Victor enjoys meditation in all forms, especially watching mindless TV, Off The Grid food trucks, helping others and raconteurs par excellence.


April 12, 2013 at 11:20 am
Personal Finance


Earlier this week, I saw a trailer for Elysium, a sleek, adrenalized, tech-fest action flick that features an eponymous metropolis, literally floating above the troubled and dirty earth.

This vision of the future is a metaphor for how many of us, myself included, view our retirement years: free from the shifting stresses of the mundane; free from the chaotic whims of the horde; isolated in perfection.

I don’t know if a Stanford torus will be available when I retire, but I’m hoping our society and technology have something awesome and unequivocally desirable awaiting me and my generation.

Equal to that hope is my desire to be financially able to take advantage of such opportunities. To me that means I need to keep saving up and investing today.

This brings to mind another metaphor or parable, if you will, about “talents” or sums of money that were given to investors.

The first two investors were able to double the investment of money; they used their time and their client’s time wisely.

The last investor was only able to return the initial deposit; he was cursed by his client.

Ultimately, as I see it, the last investor had two faults: fear and lack of perspective. In his fear, he took no risks; in taking no risks, he wrought no rewards. The last investor’s lack of perspective was in regards to time, both his and his clients. Time is the most precious commodity for us. The first two investors could have easily lost that money and indeed risk does not guarantee reward. However, in the limited time we have is it not better to try?

As someone once said, “Shoot for the moon. Even if you miss, you’ll land among the stars.”