The market will clear one way or another. Investment will fund schemes that work in the new state of energy and labor availability, or it will be lost. Retirement schemes will either work in this new regime, or go bust.
What will the state of those labor and energy markets be? If you know, and there's a killing to be made. Perhaps Africa is poised for 100 years of insane growth as the increasingly-wealthy Asian countries outsource production there. Maybe more expensive transportation will mean the end of meandering, globe-bestriding supply chains and the localization of manufacturing, with exports being concentrated in high-value items like machine tools. Maybe industrial civilization simply isn't possible within the energy and population limits that a global economy without fossil fuel can sustain, or maybe we can only sustain something like a 1960s (or 1930s or 1890s or whatever) standard of living. Maybe there is some deus ex machina technology that will mean limitless free energy and raw materials from the asteroid belt or something, and we'll all mostly live as westerners do now but with weirder social problems brought on by uncontrollable advanced AI manipulating our elections and culture.
Any of this is within the realm of possibility, and in every scenario there are winners and losers. Investment will go somewhere, the question is not how hard or easy it will be to attract it, but whether the fossil fuel wealth we've managed not to piss away in the past couple centuries is enough to bootstrap us into some sustainable form of civilization. If it is, will we manage to do it? Will we destroy the whole biosphere or only most of it? Will something recognizably human exist in the future? If not, when do we wink out?