Real and lasting pain is involved with a poor investment decision–which is the reason investment firms as The Oxford Club, a group of international private investors, is such an attraction to people wanting to narrow the gap.

Millennials, currently the largest generation in the workforce—and still growing–are not actually thinking about retirement yet—but they should be.

Generation Xers are aging. The oldest of them have reached their early 50s, where college tuitions are on the menu—albeit retirement is simultaneously in the forefront of their minds.

That leaves Boomers and The Silent Generation—many of whom are still in the workforce due to a lack of adequate preparation for retirement in their earlier years. Unfortunately, seniors in their 60s, 70s, and even 80s and above are still working—even while dependent on government services.

Closing this gap in the current workforce is a monumental problem for investment firms who have been throwing financial vehicles of various kinds at it for generations-with the hope that this or that one will be the one to wake people up.

Investment costs are not just the cost to hire a broker or a financial advisor. The greatest investment costs are buying on speculation and selling on fear.

The Oxford Club strives to provide education for investors. In the wave of renewed life in the economy, they have positioned themselves to help change the future for their clients.

Wealth accumulates over time. Conservative investment is as important as paying your living expenses, and if people could begin to identify their portfolio in the same way they view their property values over time–hopefully we won’t observe Generation Xers working in grocery stores or other part-time jobs in 25 or 30 years from now.

Historically, “the next big thing” is always closely followed by “the next big thing.” If you have invested heavily in the first big thing-you could end up related to the fellow in the good book-who found his wages had disappeared because he was putting them in pockets filled with holes.

Conversely, putting your money to work for you with a legacy group such as The Oxford Club makes common sense. Uniquely, when retirement finally knocks at your door, you just might find yourself in a welcoming mood.

Markets fluctuate, and similarly, some crops grow faster than others do, but farmers do not generally run out and check the progress of their crop every day. If it was that important, there is always a time-lapse camera.

Likewise, Millennials and Generation Xers are probably not glancing in the mirror every day–worried about aging–but in real time, they can observe their parents and grandparents in the Boomer and The Silent Generation groups as an incentive to launch themselves into a plan that will help them avoid the fate of these older generations.

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