[sgbuffett]

Now that you mention Endowus, I visited their office last week. They don't take up a big office space but their founders are well-connected.

They seem to the finest young people with knowledge experience and the passion to want to do good.

They are very well educatied and the research they have done is very sound not like  some people guessing and assuming. I actually learned alot from the data they collected which was extensive....and over multi decades.

This video has alot of stats and data to discuss why retirement funds should always be invested.