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Feel like society and the environment are beginning to break down? There's an ETF for that.
Newday Impact's Sustainable Development Goals ETF (SDGS) delivers a growth-oriented product that promotes dual impact, promising to advocate for environmental and social improvements and donating 10% of revenues to global youth education and skills development programs.
American Dystopia
Partnering with a veritable who's who of progressive economists, scientists, and non-profit organizations, the firm's investment criteria rests on a sophisticated analysis of global ills and solutions. This approach may turn off investors who disdain concepts like decarbonizing the economy, but should resonate with anyone who feels like Mad Max may just drive down Mainstreet, U.S.A. any day now.
Though the problems are global, the U.S. is a great place to focus on these daunting problems, according to Newday's President, Anne Popkin. "It doesn't matter what side of the political spectrum you're on," said Popkin. The U.S. has "food inflation, heat waves, rising tides in the south, and fires in California. It's all happening here."
Limits to Growth
The ETF's rationale is based on the belief that the planet's ability to withstand human impact on the environment is limited. When these limits are exceeded, we are said to have gone beyond the "planetary boundaries" of the earth. In fact, several resources, like forested land—central to food, fuel, clean water and air—have already been pushed beyond a safe limit of use.
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Although you can start collecting Social Security at age 62, you can get much higher monthly payments if you wait as long as age 70. But many people want to or must retire before 70. If you're one of them, consider a possible strategy, backed by recent research, to use your retirement savings to put off receiving Social Security.
Build a Social Security Bridge
New research from the Center for Retirement Research explores retiree appetite for a "bridge" between retirement and collecting Social Security benefits, specifically one where retirees tap 401(k) assets in an amount equivalent to what they'd draw from Social Security on a monthly basis. This stream of payments would continue until age 70 or until the money ran out.
Such an option appealed to a good number of survey respondents; nearly 27% said they'd use it to some extent, even with minimal information about plan details. Among respondents provided with more information on the option, the total climbed to 35%. Researchers also propose a formalized "bridge" plan that employers could offer using 401(k) funds.
SEE MORE Feeling Insecure About Social Security? You're Not Alone.
But why tap those funds? The answer is that any chance to delay collecting Social Security benefits means you'll receive a larger monthly check when you finally do start to draw benefits.
How Much Can You Increase Your Social Security by Delaying Benefits?
As a rule, retirees must decide for themselves when to begin claiming Social Security benefits.
If they can wait to collect, though
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