According to this pantagraph.com article, young people are investing in retirement homes, not stocks: ‘…No one knows how many younger buyers are out snapping up their retirement homes. But real-estate agents and financial planners around the country say they’re increasingly assisting younger buyers out spending $100,000 to $500,000 for a house to call home in retirement. Partially at play is a cultural shift planners say they see among younger savers who aren’t content to just accumulate assets to use in retirement. Instead, this younger generation wants to put some of its nest egg to work today as an investment in family. A year ago, Daniel Merkle and Sandra Bauman of Glen Rock, N.J., took roughly 20 percent of their retirement assets — none of it coming from tax-deferred accounts like their IRAs or 401(k) plans — and bought a cottage on a hill with 60 feet of lake frontage in Athens, N.Y., in the Catskill Mountains. “It was clear the money was better off in the index funds we owned,” Merkle says. “But there are factors you can’t see on a spreadsheet — like the time we get with our kids building memories there. We wanted to get in while it was affordable.”