I'm sorry to be a downer, but I recommend that you get a copy of "On the Road to Zero Growth" by Jeremy Grantham, the founder of GMO, the highly reputed often insightful Boston investment management firm. I had to read it twice to absorb the full wake-up call it represents. It has serious repercussions for everyone's investment portfolio, and for the future mobility of our children and grandchildren. It must be read. Prepare for unpleasantness.
http://www.forbes.com/sites/robertlenzner/2012/11/24/ignore-this-wake-up-call-at-your-peril/
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